Many people think Medicare is only for those turning 65. But if you’re under 65 and living with a disability, you may also qualify — and it could be a crucial part of your healthcare plan.
At SecureSafer.com, we help New Yorkers of all ages get the health coverage they deserve — including those receiving Social Security Disability benefits or living with long-term health conditions.
What’s Inside?
- Who Qualifies for Medicare Under 65?
- What Does Medicare Cover?
- How Much Does Medicare Cost If You’re Under 65?
- Dual Eligibility: Medicare + Medicaid in New York
- What About People with Developmental Disabilities?
- Need Help Applying or Understanding Your Options?
- Talk to a Real Agent Today
Who Qualifies for Medicare Under 65?
If you’re under 65, you may qualify for Medicare if:
- You’ve been receiving Social Security Disability Insurance (SSDI) for at least 24 months
- You have Amyotrophic Lateral Sclerosis (ALS) (automatic enrollment begins the same month your SSDI starts)
- You have End-Stage Renal Disease (ESRD) and meet treatment requirements (typically 3 months after starting dialysis or immediately after a kidney transplant)
For official eligibility guidelines, visit SSA.gov Disability Benefits.
What Does Medicare Cover?
Once you qualify, you’ll receive the same Medicare benefits as those 65 and older:
- Part A – Hospital stays, skilled nursing, home health, hospice
- Part B – Doctor visits, preventive care, outpatient procedures
- Part C (Medicare Advantage) – Optional private plan that bundles A and B, sometimes includes extra benefits
- Part D – Prescription drug coverage
Learn more about what’s included at Medicare.gov – Your Medicare Coverage.
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How Much Does Medicare Cost If You’re Under 65?
Most people get Part A premium-free, but you may have to pay if you haven’t worked enough quarters.
Part B has a standard monthly premium (in 2025, it’s around $185) and includes deductibles and coinsurance.
If cost is a barrier, you may qualify for a Medicare Savings Program or Medicaid in New York to help pay premiums and out-of-pocket costs.
Dual Eligibility: Medicare + Medicaid in New York
If you qualify for both Medicare and Medicaid (called dual eligible), you may get extra help covering:
- Premiums
- Copays and deductibles
- Prescription drug costs
- Long-term services and supports
What About People with Developmental Disabilities?
If you or a loved one receives services through OPWDD (Office for People With Developmental Disabilities), Medicare may work alongside Medicaid and other benefits. We offer help with OPWDD applications and home care services for families caring for children or adults with special needs.
Need Help Applying or Understanding Your Options?
Applying for Medicare while managing a disability or chronic illness is stressful enough — let us make it easier.
SecureSafer is a licensed New York agency that helps you understand:
- If and when you qualify
- How Medicare and Medicaid work together
- Which plans include the doctors and therapies you need
- How to avoid gaps in coverage
Talk to a Real Agent Today
Need help applying for Medicare under 65? You don’t have to figure it out alone.
Call SecureSafer at (646) 444-2020 or visit SecureSafer.com to speak with a licensed agent who understands disability-based Medicare enrollment — and actually cares.
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