There are many misconceptions concerning the qualifications needed for Medicare. Many people believe if they are in poor health, they won’t receive benefits. That is simply not the case.
People do not have to be sick or have underlying health conditions to qualify for Medicare coverage. That being said, the reverse applies. If you are ill or have health conditions, you can still be eligible for Medicare.
More than any other factor, Medicare eligibility is determined by the length of employment.
Medicare Eligibility for Ages 65 & Older
Medicare has provided health insurance for the elderly and disabled for more than 55 years. It is not automatic to qualify for this program. Here’s what you need to know about Medicare eligibility requirements.
Full Medicare benefits are available to you if:
Are you younger than 65? You may still be eligible
Under age 65, you are eligible for full Medicare benefits if:
What Medicare benefits are available for the disabled?
In addition to those who qualify based on age, those who qualify based on their disability are also covered by Medicare. Individuals eligible for Medicare can take advantage of the full range of benefits.
This policy covers hospitals, nursing homes, home health services, physician practices, and community-based health care. It is not necessary that health care services be related to a disability for them to be covered.
Getting Medicare in other ways
At 65 or older, U.S. citizens and legal residents who do not qualify on their own or through their spouse’s work record can get fully funded Medicare. The only requirement is that you buy into them.
A dedicated insurance expert can help you determine eligibility for Medicare, whether or not you’re 65 or older, or even healthy or sick. Guided Solutions can help. Contact one of our insurance experts today.