Diagnosis: Medicare Under 65
If you are eligible to enroll in Medicare before 65, you’ll still have all the same benefits available to those who meet the standard age requirement. People under 65 who are eligible for Social Security disability benefits or Railroad Retirement Board benefits can also get Medicare.
Do you have disabilities?
Medicare is available for individuals under the age of 65 with many different disabilities.
If you or a family member has a qualifying medical diagnosis, you can enroll in Medicare under 65. Let’s take a look at what medical conditions qualify.
Qualifying diagnoses include:
- End-stage renal disease (ESRD)
- Lou Gehrig’s disease
- Amyotrophic lateral sclerosis (ALS)
- Certain disabilities
If you are eligible for early enrollment, contact My Healthcare Direct to learn more.
Under 65: Medicare Plans Explained
Medicare has four parts:
- Hospital Insurance – Part A
- Medicare Insurance – Part B
- Medicare Advantage Part C
- Prescription Drug Coverage – Part D
Premium-Free Part A Hospital Insurance
Medicare Part A is hospital insurance that helps pay for inpatient care in a hospital or skilled nursing facility. It also covers some home health care and hospice care.
When you are on disability or under 65 and qualify for Part A Medicare or Premium-Free Part A, you don’t have to pay a premium. Most people automatically get Part A coverage if they’re eligible for Medicare under 65. You can also get Part A coverage if you buy it.
Part B Medicare Insurance
Medicare Part B is a type of Medicare insurance that helps cover medical expenses for those under 65. It can support the cost of outpatient treatment, doctor visits, and other healthcare services. This plan also covers some preventive services to help keep you healthy.
If you have Medicare Part A, you’re automatically enrolled in Part B. If you don’t have Part A, you can enroll in Part B during your Initial Enrollment Period.
Part C Medicare Advantage
Medicare Advantage Part C is a type of insurance offered by private insurance companies that contract with Medicare to provide coverage to Medicare beneficiaries under 65. This type of coverage usually includes all of the benefits that Original Medicare (Parts A and B) covers and a Medicare Advantage Prescription Drug Plan (MA-PD).
Medicare Advantage plans usually have lower premiums than traditional Medicare plans, but they also have higher out-of-pocket costs. This means that you will likely pay more for your health care, but you will have a lower monthly premium.
If you are under the age of 65 and interested in signing up for a Medicare Advantage Plan, you can contact My Healthcare Direct to learn more about this type of insurance. We will compare plans in your area and help you choose the right one for your needs.
Part D Drug Coverage
Part D Medicare drug plan coverage is a federal program that helps seniors and Medicare beneficiaries under 65 pay for prescription drugs. The program is run by the Centers for Medicare & Medicaid Services (CMS) and is available through My Healthcare Direct.
Part D plans help people afford their brand-name and generic drugs. Because of this, it’s often called the Medicare Coverage Gap Discount Program. CMS requires all Part D plans to offer a standard benefits package that includes coverage for at least two drugs.
Most prescription drug plans (PDP) have a deductible, and then beneficiaries pay a coinsurance or copayment for their prescriptions. Some plans also offer coverage for drugs that are not covered by Medicare Part B, such as those used for long-term care such as cancer or AIDS.
Enrollment for Medicare Under Age 65
Learn more about the Medicare benefits available to you. When you speak with a My Healthcare Direct representative, we can help you find the best Medicare plan for you.
If you meet the requirements to enroll in Medicare, we will get you started! Once you are enrolled, you will be mailed your Medicare card.
We can help!
Wondering if you qualify for Medicare under 65?
Medicare makes decisions on a case-by-case basis. Figuring out if you qualify for Medicare under age 65 can be complicated at times. If you are under 65 and you have a qualifying condition or are disabled, Medicare may be available to you.
Our professionals are here to assist in the process.
Make an appointment today to speak with our team about the insurance options available to you.