I am still under 65

  1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    In order to qualify for Medicare you must be at least 65 years old or receiving Social Security Disability for two years. Otherwise the answer to this question would be no. The Hepatitis C would have nothing to do with this unless you are disabled as a result and have been on Social Security Disability for two years as previously mentioned.
    Answered on April 21, 2015
  2. 11498 POINTS
    Jason Goldenzweig
    Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
    Your current medical history doesn't affect whether or not you would qualify for Medicare. In general, you must be 65 years or older to sign up for Medicare Part A & Part B. At age 62, you would not be able to qualify for Medicare as you're too young for the program - the only exception is if you are receiving social security disability benefits for more than 24 continuous months. If you're receiving social security disability benefits, but have not met the 24 month rule, then you would not be eligible for Medicare.

    Please note, when you're new to Medicare Part A and Part B, you activate a 6-month initial open enrollment period to also buy a Medicare Supplement plan (also known as a Medigap plan) with NO medical underwriting - meaning even with hep C, you can get one. This is the best time to buy a Medigap plan. After your initial open enrollment period expires, you would be subject to medical questions for any Medigap plan.

    I hope the information is helpful - please feel free to contact me if you have any questions or need help with your Medicare Supplement coverage - you can reach me via the "contact me" button next to my picture. Thanks very much.
    Answered on April 21, 2015
  3. 251 POINTS
    Jerry Cantrell
    Insurance Representative, Transamerica Agency Network, Louisville KY
    You qualify for Medicare Part A automatically at age 65 if you have paid into to Social Secuity for at least 10 quarters. You do not have to pay a premium for Part A. It has been paid for with the Medicare tax paid from payroll deductions from you and your employers during the time your work history. You also qualify for Part B Medicare at age 65 if if you qalify for Part A. You can elect to start Part B or delay it. If you elect to start Part B you will pay Medicare a premium for Part B. The amount you pay for Part B is determined by a sliding scale based on your income. The lowest Part B premium which most people pay is $104.90. Three months before your 65th birthday and three months after is your open enrollment period when you are eligible to enroll in Medicare Part A and B. If you delay enrolling in Part B but stay enrolled in a qualified group health plan you can delay enrolling in Part B without penalty. If you do not enroll in Part B during your open enrollment peroid and are not enrolled in a qualified group health pay you will be charged a 10% increase in your Part B premium each year that you day your enrollment. You can also qualify for Medicare Part A & B prior to your 65th birthday if your are approved for Disabled Social Security. If you are approved for Social Security based on a disabilty you can apply for Medicare Part A and B 24 months after you started reeciving Disabled Social Security.
    Answered on May 6, 2015
  4. 21750 POINTS
    Jim Winkler
    CEO/Owner, Winkler Financial Group, Houston, Texas
    That is a great question! The Medicare system was set up so that everyone could qualify for it, once they turned 65 years of age. There are no restrictions as to your health status - if you are perfectly healthy you qualify, if you have cancer you qualify.
    The age limitation is pretty solid though. You mentioned that you started taking your Social Security benefits at age 62, and if you did so because of a disability that required retirement and early benefits, and have been steadily taking those disability benefits since then you may qualify for the early Medicare exemption. To qualify for it, you will have had to have continuously pulled benefits for two years, and you have passed that mark if so. If not, I'm sorry to say that they are pretty strict about the age requirement, and you will be unable to sign up until you turn 65. Good luck, and thank you for asking!
    Answered on May 7, 2015
  5. 624 POINTS
    Agent, WMH Consulting LLC, Fort Worth, Texas
    If you have been taking Social Security disability benefits for 24 continuous months , you qualify to apply for Medicare.Otherwise you must be at least 65 years old to qualify. After enrolling in Medicare you have a 6 month initial open enrollment period to purchase a Medicare Supplement / Medigap plan with no medical underwriting. After this 6 month period expires you would be subject to medical questions/underwriting to apply for any Medigap/Medicare Supplement plan...
    Answered on May 27, 2015
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