Medicare Eligibility Age And Requirements – Who Qualifies And When To Enroll

Turning 65 In Illinois, Missouri, Or Iowa

Most people in our region qualify for Parts A and B at 65 if they are a U.S. citizen or lawful permanent resident for at least five years. If you already receive Social Security benefits, you are usually enrolled in A and B automatically and receive a red white and blue card by mail. If you are still working with creditable employer coverage, you may delay Part B and avoid a late penalty. We can help you confirm creditable status before you decide. For a refresher on coverage paths, start with Medicare basics and then come back to this page for timing details.

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Disability Or Special Conditions

If you receive Social Security Disability Insurance for 24 months, Medicare typically starts in month 25. Individuals with ALS qualify immediately upon SSDI approval. People with End Stage Renal Disease may qualify based on dialysis or transplant timelines. Coordination with Medicaid is possible for those who qualify by income. Thomas Family Insurance can outline local options used by neighbors in Quincy, Hannibal, and Keokuk.

Part A And Part B Eligibility Details

Premium free Part A is common if you or a spouse have at least 40 quarters of Medicare taxed work. Without that work history, Part A may be available with a monthly premium. Part B is optional but carries a monthly premium for everyone. Delaying Part B without other creditable coverage can create a late enrollment penalty. If your spouse has the needed work history and is at least age 62, you may qualify for premium free Part A through their record.

Enrollment Steps Once Eligible

Your Initial Enrollment Period is seven months long. It starts three months before your 65th birth month, includes that month, and ends three months after. If you are auto enrolled, your card usually arrives a few months before your birthday. If you are delaying Part B due to employer coverage, you can enroll later during a Special Enrollment Period when that coverage ends. For plan changes or drug coverage updates, read Medicare enrollment periods so you enroll at the right time.

Medicare Eligibility FAQs

  • I Am 64 Turning 65 Soon. When Can I Start

    You can start three months before your 65th birth month. Many people prefer an effective date on the first of the month they turn 65.

  • Do I Qualify If I Have Not Worked Enough

    Yes, you can still get Medicare. Part A may require a premium without 40 quarters. Part B is available to all who are eligible, with its monthly premium.

  • Do I Get Medicare Or Medicaid On Disability

    Medicare begins after 24 months of SSDI for many people under 65. Medicaid is based on income. Some people have both and we help coordinate benefits.

  • Can Non U.S. Citizens Get Medicare

    Lawful permanent residents can qualify at 65 with five continuous years of residency. Premiums may apply if there is not enough U.S. work history.

  • Will I Receive A Notice When I Am Eligible

    If you draw Social Security, a Medicare card usually arrives automatically. If not, you must enroll yourself through Social Security. Our team can help you organize documents and timing.