Skip to content
Medicare

Is Medicare Only for People Over 65? 

The Baldwin Group
|
Updated: August 18, 2025
|
2 minute read

“Who’s eligible for Medicare?” And can you check your Medicare qualifications online? 

Medicare is federal health for people 65 and over and people with disabilities. The free parts provide hospital and medical coverage. You can also pay a monthly premium for additional options to supplement your basic coverage. 

If you know someone over the age of 65, there’s a good chance they’re enrolled in Medicare. However, one of the most common Medicare myths is that only senior citizens can make use of Medicare. In actuality, there’s a much wider range of eligibility other than age. 

Who’s eligible for Medicare? 

One of the myths is that Medicare is only available for people 65 or older. The fact is, Medicare is available for those age 65 and older, as well as younger people with disabilities. Medicare qualifications also include people with end-stage renal disease. 

You can get free coverage if you are retired and are receiving Social Security benefits or are eligible to receive benefits. It may also become available through government employment. 

Even if you get Part A for free, Part B always requires a premium. That monthly premium comes from your Social Security, Railroad Retirement, or Civil Service Retirement check if you have one. 

The process for applying for Medicare with a disability could take months to complete. Anyone that reaches their 65th birthday automatically becomes eligible. 

Applying for Medicare 

Once you know that you qualify for Medicare, you can apply. The application process verifies that you are eligible for coverage and helps determine if you need to pay premiums. 

U.S. citizens may apply over the phone, online, or in-person. They must have certain documents including their birth certificate, proof of citizenship, and Social Security card. 

Current health insurance information is necessary if Medicare will be used with pre-existing coverage, as well as tax information and any available military documents. Individuals applying with a disability, may need a special examination. 

Get coverage today 

Who is eligible for Medicare? As it turns out, all U.S. citizens can potentially get Medicare coverage as long as they qualify. 

You must have been a permanent legal resident of the U.S. for at least five years. If you haven’t reached the age of 65, you can qualify through your disability. 

Still unsure about your options? The Medicare experts at The Baldwin Group can help you find the best Medicare plan for your needs. Get started today or find a Medicare location near you. 

Related Insights

Stay in the know

Our experts monitor your industry and global events to provide meaningful insights and help break down what you need to know, potential impacts, and how you should respond.

Commercial Risk
How Much Cyber Liability Insurance do Businesses Need?
In today's rapidly advancing digital landscape, businesses have an opportunity to harness technology for growth and innovation. However, as digital...
Recreational Vehicles
Are ATVs and UTVs Street Legal?
If you own an ATV or a UTV, you already know how fun and versatile they are—perfect for trails, hauling...
Home and Property
Does Home Insurance Cover Tree Removal?
You don’t think much about the trees in your yard — until one crashes onto your fence or driveway. Whether...
Life
How Much Does Life Insurance Cost?
When it comes to protecting the people you love, life insurance is one of the most important financial tools available....
Recreational Vehicles
Your Go-To Guide to RV Insurance
Whether you're planning your first RV trip or living life on the road full-time, making sense of RV insurance is...
Let's make it possible

Partner with us to build solutions that align with your business, individual, or employee needs and open new possibilities for your future.

Connect with us