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Medicare Eligibility Requirements

Generally, you are eligible for Medicare if you or your spouse worked at least 10 years in Medicare-covered employment and you are 65 years or older and a citizen or permanent resident of the United States. If you are not yet 65, you may qualify for coverage if you have a disability or you have End-Stage Renal Disease (permanent kidney failure requiring dialysis or transplant).

You can get Part A at age 65 without having to pay premiums if:

  • You already get retirement benefits from Social Security or the Railroad Retirement Board.
  • You are eligible to get Social Security or Railroad benefits but haven’t yet filed for them.
  • You or your spouse had Medicare-covered government employment.

If you are under 65, you can get Part A without having to pay premiums if:

  • You have received Social Security or Railroad Retirement Board disability benefits for 24 months
  • You have End-Stage Renal Disease and meet certain requirements

Medicare Consultations

Want to sit down with an expert to understand your Medicare options? We offer free, no-obligation consultations at locations convenient to you.

H3811_MA4001_2019A, Page updated 10/1/2018