Your Online Resource for Medicare Insurance: Guiding you along the maze of Medicare

Medicare Benefits Under Age 65

In certain situations you can receive Medicare benefits under the age of 65.  Below are a few ways you can be eligible for free Medicare Part A hospital insurance:

  1. You have been entitled to Social Security benefits for 24 months
  2. You receive a disability pension from the railroad retirement board and meet certain conditions
  3. If you received Social Security disability benefits because you have Lou Gehrig’s disease
  4. You worked long enough in a government job where Medicare taxes were paid and you meet the requirement of the Social Security disability program
  5. You are the child or widow(er) age 50 or older, including a divorced widow(er), of someone who has worked long enough in a government job where Medicare taxes were paid and you meet the requirement of the Social Security disability program
  6. You have permanent kidney failure and you receive maintenance dialysis or a kidney transplant and one of the following statements is true:
    • You're eligible for or receive monthly benefits under Social Security or railroad retirement system
    • You have worked long enough in a Medicare-covered government job
    • You are the child or spouse (including a divorced spouse) of a worker (living or deceased) who has worked long enough under Social Security or in a Medicare-covered government job.
The above Information is available on the Medicare site

Many states have different laws on the rules that govern disability Medigap policies.  These are the policies that supplement Parts A & B of Medicare.  Please know that Part A of Medicare is free 99% of the time, but if it is not free for you it can be purchased if you are a U.S. Citizen or a lawfully admitted noncitizen who has lived in the United States for at least 5 years.  Part B charges the Medicare recipient a premium that is taken out of their Social Security check unless you are not receiving one and in that case it is billed to you quarterly. 

Some states like Mississippi require Medigap Insurance companies to sell their state approved Medigap policies to both over and under age 65 Medicare recipients.  These laws benefit those under age 65 because it is very hard to get a policy if you cannot answer the health questions.  The good news is that individuals who just got Medicare Part A & B in Mississippi are in their Open Enrollment Period, no matter how old they are.  So if you are deemed to be in your Open Enrollment Period this means that you qualify for any Medigap policy that is offered in your state with no health questions.  This is excellent news for someone who has serious health conditions.

Even though Mississippi has great laws for people under the age of 65 most other states are not as beneficial to the disabled under the age of 65.  Most states only require their Medigap Insurance carriers to issue a Plan A to individuals that are under 65, and a lot of states still require that the individual answer the health questions.  As you can see it would be very hard for some people to get supplementary insurance if they had to answer health questions. 

If you're on Medicare and are having problems finding supplementary insurance or need help getting quotes on Medigap policies, call Medicare Insurance Finders and get a quote today.