Medicare eligibility if you're turning 65, and when to apply

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  • Medicare covers eligible individuals 65 and older and those who qualify due to a disability. While being eligible means you may enroll in Medicare, there are strict rules regarding when you can enroll.
  • At age 65, you may be eligible for Medicare Parts A and B, even if you still work. You may also be eligible for premium-free Part A if your spouse is a “qualified wage earner,” someone who worked for 10 years and paid Social Security taxes.

If you plan get coverage through your employer, and continue working after you turn 65, check with the person who manages your benefits to find out if that coverage works with Medicare.

If you are younger than 65 and have a disability

  • You may qualify for Medicare Parts A and B if you’re younger than 65 and have a disability.
  • Some people who sign up for Part A may have to pay a premium. Also, most Medicare-eligible individuals have to enroll in Part B and pay a monthly premium when they turn 65.

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Humana answers your Medicare questions