Medicare eligibility can be confusing for those who are not 65 and older. Those who are 65 and above are eligible due to age and can enroll during certain enrollment periods.
If you are under the age of 65 you can access Medicare parts A and B under the following circumstances.
- You have Lou Gehrig’s Disease. (ALS)
- You have End-Stage Renal Disease (ESRD)
- You have been receiving Social Security Disability for 24 months.
- Other possible circumstances. See Medicare.gov
If you are 65 and over you have certain times when you are eligible to enroll in Medicare Parts A and B.
Initial Enrollment Period
When first turning 65, you have an initial enrollment period for Medicare Parts A and B. The IEP is a 7 month period. This period begins 3 months before you turn 65, the month of your 65th birthday, and the three months that follow.
If you do not sign up for Original Medicare during the IEP you may be subject to a late-enrollment penalty.
General Enrollment Period
Each year there is a general enrollment period for Original Medicare. This period lasts from January 1st to March 31st each year. If you enroll during this period your coverage will start July 1st. You may also be subject to the late-enrollment penalty mentioned earlier.
Special Enrollment Period
Some people may also qualify for a Special Enrollment Period. Here are some situations that would allow for a special enrollment period.
- You are currently covered under group coverage or a spouse’s group plan.
- You leave an employer and lose coverage.
For more details about the special enrollment periods go to Medicare.gov
How Do I Determine My Medicare Eligibility?
Medicare.gov has a simple tool available to determine when you are eligible to enroll in Medicare Parts A and B. To use this tool go to the eligibility calculator.
To learn more about plans that can help your out of pocket expenses with Medicare, such as Medicare Supplements, ask for a free quote today!