20 or less
In most cases, switching to Medicare will be your best option. Medicare is designed to help you save money on all your healthcare needs, so there are lots of good options when you switch. First, you’ll sign up for Original Medicare with the government during the 3 months before your 65th birthday. Then you can add all the additional coverage you’ll need right here with us. You can receive prescription drug coverage, dental, vision, and hearing with our Empire Medicare plans.
If you’re self-employed or on an individual plan, chances are you’ll want Medicare when you turn 65, even if you’re still working. The good news is, it should save you money on your health insurance. Medicare is designed to help. Sign up for Original Medicare with the government in the 3 months before you turn 65 to avoid late fees and gaps in your coverage. Then you can find the right health plans here with us to add more coverage for things like prescription drugs, dental, vision, and hearing. Some of our plans can also save you money on the costs of Original Medicare.
If it wasn’t for Medicare, healthcare might become really expensive at 65 and beyond.
You may have to pay a premium for Medicare Part A but most people don’t, and Medicare Part B premiums are very affordable. You can receive additional benefits with private insurers like us to help you cover services and expenses Original Medicare doesn’t cover. There are also special programs available if you need more help affording the costs of Medicare. Learn more about Medicare costs.
What Disabilities Qualify For Medicare Under 65?
If you’re permanently disabled and you’ve been receiving Social Security Disability Insurance (SSDI) benefits for 2 years, you’re eligible for Medicare and you’ll be automatically enrolled in Medicare Parts A and B.
If you have End-Stage Renal Disease (ESRD), you’ll qualify for Original Medicare (Parts A and B), no matter how old you are. You’ll need to sign up for Medicare when you first become eligible, as enrollment is not automatic. Contact Social Security or visit your local Social Security office for more information on signing up for Medicare if you have ESRD.
If you have ALS (Amyotrophic Lateral Sclerosis), also known as Lou Gehrig’s disease, you’ll be automatically enrolled in Medicare Parts A and B the month your disability benefits begin — whatever your age is.
Is Medicare Mandatory At Age 65?
If you’re already receiving social security benefits, you’ll be automatically enrolled in Medicare Parts A and B when you turn 65. If you’re not enrolled in Social Security and you decide not to sign up for Medicare Part B when you’re first eligible, you may have to pay some late-enrollment fees.
Is There A Penalty For Not Signing Up For Medicare At Age 65?
If you don’t enroll in Medicare Part B when you're first eligible, your monthly premium may go up 10% for each year you could've had Part B but didn't sign up. In most cases, you'll have to pay this penalty each time you pay your premiums, for as long as you have Part B.
Making Sure Your Loved Ones Are Covered
It’s important to think about whether you have dependents on your current health insurance plan. If you’re the primary insurance holder on your plan, when you sign up for Medicare your dependents will no longer be covered under that plan or under your new Medicare plan. These family members can purchase a separate individual or family health plan from a private insurer, like us.