Eligibility and Enrollment

Who is eligible for Medicare?

  • Persons who are entitled to social security and are over 65 years of age;
  • Persons entitled to disability benefits for social security for at least 24 months;
  • Persons who are entitled to a railroad retirement or disability pension;
  • Persons diagnosed with end stage renal disease;
  • Individuals with ALS;
  • An employee in federal, state, or local government who is not eligible for social pensions or disability pensions but has paid the Medicare Part A “Health Insurance” portion of their FICA tax for a good amount of time.
  • Most newly recruited state and local employees who are not otherwise covered by social insurance pay from April 1986 onwards the part of health insurance.

Medicare entitlement for social security and beneficiaries in connection with rail traffic begins on the first day of the first month in which the person reaches the age of 65. This is also the day on which individuals who are not otherwise eligible for Medicare may be eligible for insurance coverage.

Persons who receive social security or railway pension benefits are entitled to Medicare insurance in the 25th month in which they receive these benefits. Persons with end stage renal disease are usually considered on the first day of the 3rd month of kidney dialysis treatment.

Persons with ALS (Lou Gehrig’s disease) are entitled, if they are entitled to social security benefits, without a waiting period of 24 months.  Find a supplement plan here https://www.medisupps.com/


Persons receiving social security pension or disability pensions, or railroad checks, are provided by the Social Security Authority (SSA) a few months prior to being admitted to Medicare. Residents of one of the 50 states, Washington, D.C., the Northern Mariana Islands, Guam, American Samoa, or the US Virgin Islands, will automatically be included by SSA in Medicare Parts A and B. However, as a premium payment for the coverage of Part B is required, the beneficiaries may decide to reject it.

While participating in Medicare is voluntary, you should read the serious consequences of not using it, especially the late registration fee and health risks if no other health insurance is available. The premiums on its own shouldn’t be a major factor in deciding to participate in the Medicare program.

Enrollment and coverage:

If you are not yet receiving a retirement or invalidity pension, you can register online with Social Security during the “First Registration Period”, 3 months before your 65th birthday, birth month, and subsequent 3 months. You can sign up for Medicare even if you do not want to retire at the age of 65.

An individual who is not eligible for Medicare on the basis of social insurance or pension benefits must make a separate application for Medicare and accept to pay monthly dues. A person can choose not to apply for social security or travel benefits at the age of 65, and is still eligible for Medicare insurance. A separate application for Medicare benefits would be required in this case.

The application for benefits can be made at any social security office. Beneficiaries for the retirement of railway companies should contact the Railroad Retirement Board for registration.