Understanding Medicare Eligibility
Medicare is a federal health insurance program that primarily benefits individuals aged 65 and older. However, it also covers certain younger individuals with disabilities or specific health conditions. Understanding whether you qualify for Medicare is crucial to ensuring you have the necessary health coverage as you age or if you face specific health challenges.
Who is Eligible for Medicare?
Typically, Medicare eligibility begins at age 65 for U.S. citizens or permanent residents who have lived in the country for at least five consecutive years. However, there are exceptions for those under 65 who meet specific criteria:
Disability
: If you are under 65 and have been receiving Social Security Disability Insurance (SSDI) benefits for at least 24 months, you automatically qualify for Medicare.
End-Stage Renal Disease (ESRD)
: Individuals with ESRD who require regular dialysis or a kidney transplant are eligible for Medicare regardless of age.
Amyotrophic Lateral Sclerosis (ALS): Those diagnosed with ALS, also known as Lou Gehrig's disease, are eligible for Medicare as soon as they start receiving SSDI benefits, without the 24-month waiting period.
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