How Do I Qualify for Medicare?
Since there are many different types of Medicare, qualifying for Medicare
isn’t always a “one size fits all” process.
Automatic Enrollment For Older Americans
If you’re getting ready for Social Security retirement, have disability
benefits or railroad retirement checks, you will be notified when you
become eligible for Medicare and you will receive the necessary information
in the mail.
If you are 65, have worked for at least 10 years in Medicare-covered employment
and live in the United States, you’ll be automatically eligible
for Part A (hospital coverage) and will need to enroll in Part B (medical
coverage). Part B comes with a low cost monthly premium.
Once you’ve enrolled, you’ll receive your red, white and blue
Medicare card to use for covering your hospital and medical expenses.
You’ll start paying your monthly premium for Part B and you’ll
pay a deductible when you use your hospital coverage. When you become
eligible for Parts A and B, you can also research and find Part C (Medicare
Advantage) and Part D (prescription) coverage from private insurers.
What If You’re Not Retiring?
When you turn 65 (unless you are disabled prior to that age), you are automatically
entitled to Medicare Part A provided that you have met the requirements
(e.g., you have worked for at least 10 years). At this time, you may also
elect to enroll in Part B. If you are still employed and working at this
age, you can choose to defer your Part B enrollment until such time that
you do retire (or until such time that you no longer receive medical coverage
from your employer). Until that time, you will want to make sure that
the Social Security Administration (SSA) knows that you are employed and
that you have coverage under your employer.
Other Enrollment Situations:
The Social Security administration also offers Medicare coverage in several
special situations. You can apply for coverage under any of the following
- You are a disabled widow or widower between the ages of 50 and 65 and have
been receiving another type of Social Security benefit besides disability.
- You are disabled, under the age of 65 and work for the government.
- You, your spouse or a dependent child has permanent kidney failure.
- When in doubt, contact the Social Security administration, or contact a
friendly representative here at Florida Health Care Plans to learn more
about your eligibility
Page Last Updated: 9/29/16