Medicare isn’t just for people turning 65. If you are under 65 and living with a disability, you may qualify for Medicare earlier. Understanding your options is critical, especially since the rules for people under 65 can be different.
Who Qualifies
You may be eligible for Medicare before 65 if:
You’ve received Social Security Disability Insurance (SSDI) benefits for at least 24 months.
You have Amyotrophic Lateral Sclerosis (ALS), which qualifies you immediately.
You have End-Stage Renal Disease (ESRD) and require dialysis or a kidney transplant.
Special Challenges for Those Under 65
Medicare works the same for younger beneficiaries in many ways, but there are some important differences:
Medigap access: In many states, people under 65 with Medicare cannot buy Medigap policies, or the premiums may be very high.
Plan availability: Medicare Advantage plans are usually available, but coverage and networks may vary by county.
Drug costs: Prescription drug coverage is essential for many people with disabilities, making the choice of a Part D plan especially important.
Why an Agent Matters
Working with a Medicare agent is especially helpful if you’re under 65 with a disability. An agent can explain which Medigap protections your state offers, compare Advantage plans in your area, and make sure you don’t miss out on coverage that could significantly lower your out-of-pocket costs.
Looking Ahead
When you turn 65, you will have another Initial Enrollment Period. This gives you a fresh opportunity to review all your options, including access to Medigap plans at standard rates. Planning ahead with an agent ensures you’re ready to take advantage of this milestone.