Medicare eligibility

Malhotra & Assoc. Insurance Has You Covered

Find Out if You Are Eligible for Medicare

At Malhotra & Assoc. Insurance, we take the time to make sure each and every client understands the coverage options available to them. We have a devoted team of insurance experts who are ready to help you find the coverage you deserve with a Medicare plan.

Medicare is a public health program that covers millions of Americans, but not all Americans are eligible for Medicare coverage. If you’re curious to know when Medicare eligibility typically starts and if you fall into that category, here’s what you need to know.

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Who Can Get Medicare?

Medicare is not accessible to all Americans. You must meet certain criteria to qualify. The primary eligibility requirement is age-based. Typically, Medicare recipients must be at least age 65 before applying. This isn’t the only way to qualify for Medicare, but it is the most common.

People who are younger than age 65 are not completely unable to qualify for Medicare coverage. If you are below age 65 and have been diagnosed with a disability, you may be able to access Medicare benefits. In most cases, you need to collect Social Security Disability benefits for at least 24 months to become eligible for Medicare.

If you’ve been diagnosed with End-Stage Renal Disease or Amyotrophic Lateral Sclerosis, you can access Medicare benefits much sooner. Sometimes as soon as a month after you’ve been diagnosed.

Eligibility for Each Part

Not only are there general requirements for you to meet, there are certain requirements you must meet to also be eligible for each individual part of Medicare.

Part A

You can, of course, qualify for Medicare Part A by meeting the general requirements listed above. However, if you want to receive premium-free Part A at age 65, you will have to meet specific requirements:

  • You are getting retirement benefits from Social Security or the Railroad Retirement Board.
  • You are eligible to receive these retirement benefits, but you have yet to file for them.
  • You had Medicare-covered government employment.
  • You worked for at least ten years and paid Medicare taxes.


If you are under 65, you can get premium-free Part A by:

  • Being entitled to disability benefits from Social Security or the Railroad Retirement Board for at least 24 months.
  • Requiring kidney dialysis or being a kidney transplant patient.

Part B

Part B’s eligibility requirements are the same as Part A. However, you will have to pay a monthly premium with Part B.

Part C and Part D

To be eligible for Part C, you must first be enrolled in Original Medicare (Part A and B). To be eligible for Part D, you can be enrolled in either Part A or Part B.

Signing Up for Medicare

You can sign up for Medicare online or in-person at a local Social Security office. If you aren’t sure how to navigate the sign-up process, Malhotra & Assoc. Insurance can help you get enrolled. Contact us today to get started. 

Contact Us Today for a Medicare Quote

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