How To Get Approved For Medicare
By Anica Oaks
For well over 50 years, the U.S. federal government’s Medicare insurance program has provided health care to millions of Americans over the age of 65, and for many more under age 65 who have disabilities. However, while most people assume they automatically qualify for Medicare benefits, that is not the case. To make sure you get approved for Medicare, keep these tips in mind.
Age 65 or Older
For most people, being age 65 or older generally qualifies them for Medicare. But along with being at least 65 years old, you must also be either a citizen of the United States or instead a permanent legal resident who has lived in the U.S. for at least five years.
Social Security Benefits
For individuals who are at least 65 years old, another way to be approved for Medicare is to be currently receiving Social Security benefits or benefits associated with railroad retirement. In addition, you may also qualify for Medicare if you have worked enough years so that you qualify for these benefits, even if you are not yet collecting them.
When you are looking over Silver American Medicare plans, you should remember that you may qualify for full Medicare benefits even if you are not yet 65 years old. One way to do so is if a medical condition or injury has entitled you to Social Security disability benefits for at least 24 months, which does not necessarily mean 24 consecutive months. Also, if you are receiving disability benefits from the Railroad Retirement Board, this can also help get you approved for Medicare.
A Qualifying Disease
If you have a specific medical condition, this automatically gets you approved for full Medicare benefits, regardless of your age. At the top of the list is amyotrophic lateral sclerosis, commonly known as ALS or Lou Gehrig’s disease. If you are diagnosed with ALS, you immediately qualify for Medicare. Permanent kidney failure that requires you to have dialysis treatments or perhaps a kidney transplant will also get you approved for Medicare. However, in this case, other factors will come into play. These include not only your age, but also whether or not you or your spouse have paid Social Security taxes over a specific period of time.
Since there are always numerous complexities involved in qualifying for Medicare even under the best of circumstances, don’t try to figure out everything on your own. Instead, it’s best if you seek out the advice of experienced insurance professionals who deal with Medicare on a daily basis. By doing so, you can be sure to get whatever benefits to which you are entitled.