Medicare
Medicare before 65: disability, ALS and kidney failure
People under 65 can qualify for Medicare through Social Security disability benefits, ALS or end-stage kidney disease, each with its own timing.
How each one works
- Social Security disability: Medicare generally starts after you have received disability benefits for 24 months.
- ALS (Lou Gehrig's disease): Medicare generally starts the first month you receive disability benefits, with no 24-month wait.
- End-stage kidney disease: Medicare generally starts the fourth month of regular dialysis, and sooner in some situations, such as home dialysis training or a transplant.
Planning during the wait
The gap between losing work and starting Medicare is the hard part. Coverage during that gap might be COBRA, a spouse's plan, Medicaid or a marketplace plan, and the right choice depends on cost and timing.
Have this ready when you call
- Your Social Security disability award letter, if you have one
- The date your benefits started
- Your current coverage
- Your diagnosis dates, if kidney disease
Common questions
Can I choose a Medicare Advantage plan with kidney failure?
Yes. Since 2021, people with end-stage kidney disease can generally join a Medicare Advantage plan.
Will I still have to pay premiums?
Medicare Part B has a monthly premium for most people, and other costs depend on the coverage you choose. An agent can lay out what applies.
Related answers
Rather talk it through?
Call 855-367-1095 and a licensed agent will go through your situation with you. There is no charge to ask, and no obligation to enroll.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
GetFastRates.com is not connected with or endorsed by the U.S. government or the federal Medicare program. Calling connects you with licensed insurance help. Plan availability, costs, benefits, and enrollment rules can vary by state, carrier, and individual situation.