Medicare Eligibility Guidance
Medicare eligibility isn't always straightforward — age, disability, work history, and current coverage all factor in. We review your specific situation and tell you exactly when you qualify, what to do first, and how to avoid penalties.
Understand Exactly When and How You Qualify
- Determine your Initial Enrollment Period dates
- Check if you qualify through age, disability, or ESRD
- Review current employer coverage coordination
- Identify potential late enrollment penalties
- Create a personalized enrollment timeline
Without Us vs. With Us
Questions About Eligibility
When am I eligible for Medicare?
Most people qualify at 65. Some qualify earlier through disability (after 24 months of SSDI) or End-Stage Renal Disease. We determine your exact eligibility.
What if I'm still working at 65?
If you have employer coverage through a company with 20+ employees, you can delay Medicare without penalty. We review your specific situation.
What are late enrollment penalties?
If you miss your enrollment window without qualifying coverage, you may pay a permanent premium surcharge on Part B (10% per year you delayed) and Part D.
"Was totally confused about working past 65. They figured out I could delay Part B and saved me from a penalty I didn't know existed."