Before individuals can register for insurance programs including medicare insurance, they would need for medical eligibility for the insurance coverage. It is therefore expected that certain requirements must be met by individuals before they are eligible to be enlisted in medicare insurance as no individual automatically qualifies for medicare insurance coverage. These are the requirements that are expected to be met to qualify for medicare services.
Requirements for eligibility for medicare insurance coverage
Medicare insurance are limited mainly to individuals who are over the age of 65 years and have also met the following conditions:
- Is a citizen of the United States of America or is a legal resident in the United States of America permanently and have lived in the country for a minimum of 5 years.
- The individual or his/her partner has been employed for adequate time to be eligible for railroad retirement benefits or social security. They have worked for about 10 years and gotten 40 credits, even when the benefits are not being received yet.
- The individual or his/her partner is a retiree or an employee of government who did not pay for social security that have contributed to payroll taxes for medicare when they are still working.
It is worthy of note that payroll taxes that have accrued up to 40 credits implies that for benefits of Part A that covers hospital care for inpatient, premium rates will not have to be paid. Part B qualification which covers care for outpatient and doctor services on the other hand and Part D which covers coverage of drug prescription, does not require work credits.
Eligibility for medicare for individuals under 65 years of age
There are instances where individuals below 65 years of age also qualify for Medicare benefits in health insurance Florida companies. These instances include:
- Individual who for a minimum of 2 years, have been entitled to disability benefits of social security that does not have to be continuously.
- Individuals that got pension of disability from the board of railroad retirement and able to attain some requirements
- Immediate qualification for individuals with Lou Gehrig’s disease.
- Individuals with permanent failure of the kidney.