Medicare Eligibility Estimator
Answer a few simple questions to get a general idea of whether you may qualify for Medicare coverage. This is not an official eligibility determination.
This tool provides a general estimate based on common Medicare eligibility guidelines — it is not an official eligibility determination. For personalized guidance, connect with a licensed Medicare specialist.
Understanding Medicare Eligibility
Common questions about who qualifies for Medicare and how to enroll.
Who is eligible for Medicare?
Medicare is generally available to U.S. citizens and legal permanent residents (with at least 5 years of continuous residency) who are 65 or older. People under 65 may also qualify if they have been receiving Social Security Disability Insurance (SSDI) for 24 months, have End-Stage Renal Disease (ESRD), or have been diagnosed with ALS.
What are the different parts of Medicare?
Medicare has four parts: Part A covers hospital and inpatient care, Part B covers doctor visits and outpatient services, Part C (Medicare Advantage) offers bundled coverage through private insurers, and Part D provides prescription drug coverage.
Is Part A really free?
Most people qualify for premium-free Part A if they or their spouse paid Medicare taxes for at least 10 years (40 quarters). If you do not meet this requirement, you can still enroll in Part A but will pay a monthly premium.
What happens if I miss my enrollment period?
If you miss your Initial Enrollment Period and do not qualify for a Special Enrollment Period, you may face a late enrollment penalty — a permanent 10% increase in your Part B premium for each 12-month period you were eligible but did not enroll. The General Enrollment Period (January 1 – March 31) is available for late enrollees.
Can I delay Medicare if I am still working?
If you or your spouse are still working and have health coverage through an employer with 20 or more employees, you may delay Part B enrollment without penalty. When the employment or employer coverage ends, you will have an 8-month Special Enrollment Period to sign up.
What if I am under 65 with a disability?
If you are under 65 and have been receiving Social Security Disability Insurance (SSDI) for 24 consecutive months, you automatically qualify for Medicare. If you have ALS, there is no waiting period — coverage begins the first month you receive SSDI benefits.
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