02/05/2026
An Introduction to Medicare for People Under 65
I’m not 65 yet, but I am disabled. Can I get Medicare coverage?
I heard that I had to collect disability for 24 months to be eligible. Is this ALWAYS true?
I have trouble getting private insurance. Can my illness disqualify me for Medicare coverage, too?
Are the benefits the same for me as for those who qualify by virtue of age?
Okay, I qualify. How do I enroll in Medicare?
If I go back to work, can I keep my Medicare coverage?
Medicare is available for certain people with disabilities who are under age 65. These individuals must have received Social Security Disability benefits for 24 months or have End Stage Renal Disease (ESRD) or Amyotropic Lateral Sclerosis (ALS, also known as Lou Gehrig’s disease). There is a five month waiting period after a beneficiary is determined to be disabled before a beneficiary begins to collect Social Security Disability benefits. People with ESRD and ALS, in contrast to persons with other causes of disability, do not have to collect benefits for 24 months in order to be eligible for Medicare.
The requirements for Medicare eligibility for people with ESRD and ALS are:
ESRD – Generally 3 months after a course of regular dialysis begins or after a kidney transplant
ALS – Immediately upon collecting Social Security Disability benefits.
People who meet all the criteria for Social Security Disability are generally automatically enrolled in Parts A and B. People who meet the standards, but do not qualify for Social Security benefits, can purchase Medicare by paying a monthly Part A premium, in addition to the monthly Part B premium.