At what age i can get medicare

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The typical Medicare age requirement is 65, or younger if you qualify for disability benefits. In addition to meeting the age requirement of 65, you must also be a U.S. citizen or legal permanent resident before you are eligible for Medicare.

Most people who are 65 qualify for premium-free Medicare Part A because they have worked for at least ten years (40 quarters) and have paid Medicare taxes. Medicare Part A helps cover hospitalization, skilled nursing facility, home health care, and hospice costs. If you are not eligible for premium-free Part A because you have not worked and paid Medicare taxes, but are a citizen with permanent residency and are 65, you can pay premiums to have Part A coverage. If your spouse has worked long enough to qualify for premium-free Part A, your Part A premiums will be free after your spouse turns 62.

When you meet the requirements for Part A, you also qualify for Medicare Part B which helps cover medical out patient costs such as doctor’s visits, urgent care, durable medical equipment (DME), some preventive care, and more. If you have Part B, there is a monthly premium you pay, which is $148.50 for 2021, and an annual deductible of $203.

When you are 65 and qualify for Medicare coverage, you can choose Original Medicare Parts A and B, with or without Part D (drug coverage), and with or without supplemental insurance (Medigap); or you can choose a Medicare Advantage Plan (Part C) which bundles Parts A, B, and usually D together. You must have Parts A and B in order to enroll in a Medicare Advantage Plan, or a separate Part D or Medigap plan. Part B monthly premiums will still apply.

Some people automatically get Medicare at age 65, but those numbers have declined as the Medicare and Social Security ages have continued to drift apart.

Most people who automatically get Medicare at age 65 do so because they have been receiving Social Security benefits for at least four months before turning 65. Traditionally, Medicare premiums are deducted from your Social Security check. For the longest time, you could retire with full Social Security benefits at 65 and start on Medicare at the same time.

You are still automatically enrolled in Medicare Part A and Part B at 65 if you’re drawing Social Security, but not as many people draw Social Security that early these days because of changes to the eligibility age for full Social Security benefits.

In 2000, the Social Security Amendments of 1983 began pushing back the standard age for full Social Security benefits. The progressive changes are nearing their conclusion: Beginning in 2022, the standard age for full benefits will be 67 for anyone born after 1960.

Besides the Medicare eligibility age of 65, what remains unchanged is that you can opt to begin drawing partial Social Security benefits as early as age 62. So, if you opt for accepting partial Social Security benefits before age 65, you are automatically enrolled in Medicare.

A smaller group of people also automatically get Medicare at age 65: people who receive Railroad Board benefits for at least four months before 65.

If you are automatically enrolled, you will receive a “Welcome to Medicare” kit about three months before turning 65. It will include instructions on how to decline enrollment in Part A, Part B, or both if you don’t yet want to begin your Medicare journey.

What if I’m Not Automatically Enrolled at 65?

If your Medicare enrollment at 65 is not automatic, but you want to enroll, here are some more magic numbers.

3 and 7.

To start taking advantage of Medicare at 65, you need to sign up during the three months before the birthday month you turn 65. Those are the first three months of your seven-month Initial Enrollment Period.

Unless your birthday is on the first day of the month, your Initial Enrollment Period includes the three full months before turning 65, the month you turn 65, and the three months after you turn 65. If you were born on the first day of the month, IEP is the four months before your birth month, along with your birthday month and the two months after.

If you sign up during one of the months before your 65th birthday, your coverage will begin on the first day of the month you turn 65 (or one month before your birthday if you were born on the first day of the month).