Explore Medicare Options for the Disabled & Under 65 


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Disabled and under age 65? Explore your Medicare options

Even if you're under 65, you may still qualify for Medicare benefits

Most people assume you must be 65 to sign up for Medicare, but there are exceptions:

  • If you're disabled and entitled to monthly Social Security or Railroad Retirement Board benefits, you can enroll in Medicare Part A during the 3 months before, the month of, and the 3 months after you begin receiving disability benefits
  • If you're a disabled federal, state, or local government employee and not eligible for monthly Social Security or Railroad Retirement Board benefits, you may be eligible for Medicare 29 months after being disabled

While you'll automatically receive Medicare Part A and Part B, depending on your circumstances you may choose to delay signing up for Part B, which covers things like doctor visits, lab tests, and preventive services. For Part B you have to pay a monthly premium. In 2018, the monthly Part B premium was $134. If you or a spouse or family member (if you're disabled) is still working and you have health insurance through an employer plan, you may want to keep that coverage and postpone taking Medicare Part B. Your Part B premium won't begin until your Part B benefits do.

Learn more at Medicare.gov., opens new window

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More you should know about Medicare