How do you qualify for Medicare if you're under the age of 65?


Quick Answer

An individual younger than 65 can qualify for Medicare if he has a disability, has end-stage renal disease or has ALS, according to its website. The time when Medicare coverage starts varies for each of these conditions.

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Full Answer

For end-stage renal disease, coverage starts on the first day of the fourth month of the individual's dialysis treatments, according to Medicare.gov. For ALS, benefits begin the first month the individual starts receiving Social Security disability benefits or Railroad Retirement Board disability benefits. For individuals with a disability, they are automatically enrolled in Medicare Part A and Part B after receiving Social Security or Railroad Retirement Board disability benefits for 24 months. For individuals with ESRD, Medicare coverage ends 12 months after the month dialysis treatments are stopped, or 36 months after the month the individual has a kidney transplant.

Individuals who have a disability but would like to go back to work can continue to keep their Medicare coverage as long as they remain medically disabled. In addition, they do not have to pay the Medicare Part A premium for the first 8 1/2 years after they return to work. After that, they have to pay the Part A premium but may be eligible for help from their state if they cannot afford it, reports Medicare.gov.

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