When am I eligible for coverage with Medicare?

When am I Eligible for Coverage with Medicare?

I often get asked by people “when am I eligible for coverage with Medicare?”

For most people it’s the first of the month in which they turn 65, so regardless of when your birthday is. You’re actually eligible for Medicare on the first of the month, so whether your birthday is on the 2nd or the 3rd or even the 31st of the month. You would be eligible for Medicare on the first of that month.

The exception to this is if your birthday is actually on the first of the month. Then you’re going to be eligible for Medicare the first of the previous month.

The exception to this also is if you’re disabled. If you’ve been disabled based on Social Security’s definition, you would be eligible for Medicare the 25th month after your disability. Regardless of your age you could be Medicare-eligible based on your disability.

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