Q How do I know if I’m eligible for Medicare?


  • You are eligible for Medicare if: You are at least 65 years of age, and:

  • Have worked 10 or more years in Medicare-covered employment, and paid (or a spouse paid) Social Security for at least 40 quarters.

  • Are a citizen or permanent resident of the United States.

  • Have been diagnosed with ESRD or ALS.

  • You are not yet 65 years of age, and:

  • Have received 24 months of Social Security Disability income.

  • Have been diagnosed with ESRD or ALS


Q. I’m 65 years old and going onto Medicare, but I have a pre-existing medical condition, what will happen?


  • This is not an issue when you initially become eligible for Medicare whether by aging in (age 65) or being under 65 and meeting your 24-month wait period. In both instances you have a 7-month window as discussed earlier to enroll, without underwriting.

  • However, if you enroll outside of your initial enrollment window you could be underwritten.


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