Can You Get Medicare Before Age 65?

Medicare Before Age 65 FAQ

• Can You Get Medicare Before Age 65?

  Yes — you may qualify for Medicare before turning 65 if you meet specific medical or disability criteria. While most people become eligible at 65, there are three common ways to qualify earlier:

• 1. You Have a Disability and Receive SSDI

  • If you’ve received Social Security Disability Insurance (SSDI) for 24 months, you’ll be automatically enrolled in Medicare during month 25

  • You’ll receive Medicare Parts A and B

  • No need to wait until age 65

  • You may qualify for Medicare Advantage, and in some states, Medigap (though options may be limited)

• 2. You Have ALS (Lou Gehrig’s Disease)

  • If you are diagnosed with ALS, your Medicare starts immediately once your SSDI benefits begin

  • There is no 24-month waiting period

  • You are automatically enrolled in Parts A and B

• 3. You Have End-Stage Renal Disease (ESRD)

  • If you have permanent kidney failure requiring dialysis or a transplant, you can apply for Medicare early

  • Coverage may start:

  • In the 4th month of dialysis (can be earlier in some cases)

  • The month of your kidney transplant

  • Enrollment is not automatic — you must apply manually

⚠️ Things to Keep in Mind if You Qualify Before 65

• Premiums still apply for Part B and Part D, unless you qualify for Extra Help or a Medicare Savings Program

• Medigap plan access varies by state

• Some states do not require insurers to offer Medigap plans to those under 65

• Available plans may be expensive