Although many people become eligible for Medicare at age 65, some individuals can qualify
earlier due to disability or certain medical conditions.
Who Can Qualify Early?
You may qualify for Medicare before age 65 if:
● You receive Social Security Disability Insurance (SSDI)
● You have End-Stage Renal Disease (ESRD)
● You have ALS (Lou Gehrig’s Disease)
Medicare Through Disability
Most people under 65 become eligible after receiving SSDI benefits for 24 months.
Once you reach the 24-month mark, Medicare enrollment is usually automatic.
Exceptions to the Waiting Period
ALS
Individuals diagnosed with ALS generally receive Medicare immediately once disability benefits
begin.
End-Stage Renal Disease (ESRD)
People with permanent kidney failure requiring dialysis or a transplant may qualify earlier under
special rules.
What Coverage Will You Receive?
Early Medicare beneficiaries generally receive:
● Part A (Hospital Insurance)
● Part B (Medical Insurance)
They may also choose:
● Medicare Advantage plans
● Prescription drug plans

● Medicare Supplement plans in some states
Important Considerations
People under 65 may face:
● Fewer Medigap plan options depending on their state
● Higher healthcare needs and prescription costs
● Different provider network considerations
Example
David became disabled at age 59 and began receiving SSDI. After 24 months, he was
automatically enrolled in Medicare Parts A and B.
Frequently Asked Questions
Is Medicare free if I’m disabled?
Part A is often premium-free if you qualify through work history. Part B still usually has a monthly
premium.
Can I work while receiving Medicare disability benefits?
Possibly. However, working may affect SSDI eligibility depending on income levels.
Can I enroll in Medicare Advantage before 65?
Yes, many Medicare Advantage plans are available to beneficiaries under age 65.