Medicare Eligibility

Medicare is a government-backed health care program that is offered to senior citizens and individuals with certain disabilities.

If you are curious about whether you are eligible for Medicare benefits, this is what you need to know.

Original Medicare Eligibility

Original Medicare includes Part A and Part B of the Medicare program. Here is how you can determine if you are eligible for Original Medicare Benefits:

Part A

In most cases, you must be 65 or older to qualify for Medicare Part A coverage.  

  • If you are claiming Part A entitlement based on a disability, your coverage cannot begin earlier than age 18. 
  • You may also qualify for Part A coverage if you are entitled to monthly Social Security or Railroad Retirement board benefits and have collected those benefits for 24 months.

Many people are eligible for premium-free Medicare Part A benefits. To qualify for premium-free coverage, you must have a specified number of quarters of coverage (QCs). These QCs are earned through regular payment of payroll taxes under the Federal Insurance Contributions Act (FICA).

Part B

Part B eligibility varies based on whether an individual qualifies for premium-free Part A coverage or not. Although Part B enrollment can only happen at certain times, people eligible for premium-free Part A can enroll in Part B once they are entitled to Part A.

To qualify for Part B coverage, you must meet the following requirements:

  • Must be age 65 or older
  • Must be a current U.S. resident
  • Must hold U.S. citizenship or be an alien admitted for permanent residence who has lived in the U.S. for five consecutive years
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Medicare For Persons With Disabilities

If you are under the age of 65 and have been diagnosed with End-Stage Renal Disease, you will be eligible for Medicare benefits. End-Stage Renal Disease is defined as permanent kidney failure that requires dialysis or transplant.

You will also be eligible for Medicare benefits if you are diagnosed with Amyotrophic Lateral Sclerosis (ALS), also known as motor neuron disease and Lou Gehrig’s disease.

Contact Proinsurance Hawaii now! We will help you determine whether you or your loved one is eligible for Medicare benefits. We can also help you identify the best coverage options, allowing you to secure a happy and healthy future.