Medicare Under 65

You are eligible for Medicare under 65 years old if: 

• You have been diagnosed with End-Stage Renal Disease (ESRD)
• You have received Social Security Disability Insurance (SSDI) checks for at least 24 months

For ESRD Medicare coverage to begin, you must currently be receiving dialysis treatments or have had a kidney transplant.

You must also have at least one of the following:

• SSDI Eligibility
• Railroad Retirement Benefits Eligibility
• You, a Spouse, or a Parent Have Paid Medicare Taxes for a Sufficient Amount of Time

You are automatically enrolled in Original Medicare after you receive your 25th month of Social Security Disability Insurance (SSDI). However, if you suffer from Amyotrophic Lateral Sclerosis (ALS), your Medicare coverage will start without the two-year waiting period.

Those who qualify for SSDI will receive a Medicare letter when the required 24-month period of time has passed. If this does not happen, we recommend contacting the local Social Security office.

Because Medicare under 65 is health needs-based, you will not be denied coverage for any underlying health conditions. Even if your condition remains the same or degrades, your coverage will not change.