Medicare: The Requirements to Qualify

By Leah M.

For those who are 65-years of age or older, they have the chance to qualify for the Medicare program. Medicare is a health plan that is backed by the government in order to help pay for the health care needs of the individual. The good news is that most people are going to qualify for some part of Medicare when they reach this age, and may find that they qualify for even more help with paying these costs.

Requirements to Qualify

As stated before, being 65-years of age and older, is the main requirement for qualifying for Medicare coverage. However, there are special situations in which a person may qualify earlier, such as:

  • The person has a severe disability
  • Is receiving social security benefits despite not being 65 years of age or older

Income wise, everyone at these ages can get Medicare. However, they may pay more for their monthly deductibles if they do have a higher income. This is changed from year-to-year, depending upon the financial state of the economy.

The Costs of Medicare

Part A of Medicare is going to cost nothing out of pocket, it is the common Medicare insurance given to those who are collecting social security and who have reached the age of retirement.

Part B can be opted for, for those who are wanting greater healthcare coverage. In most cases, the person will pay for their benefits, and it is not based on the income of the person, rather the length of stay in the hospital and doctor bills.

There is a low income option for those who qualify. To qualify, the person must be considered at the federal poverty level, which changes from year-to-year. If the person is at this level, they immediately qualify. With this qualification, a person will have help paying for the annual deductibles, monthly premiums and co-pays on medication that they need. Each states has slightly different requirements to qualify, but as long as the person is at the poverty level according to the federal guidelines, they should qualify for payment help.