Under 65 and on Social Security Disability

If you are on SSDI you will be eligible for Medicare on the first day of your 25th month. You will automatically receive a Medicare card about 3 months before this date.

You will have a 3 month initial enrollment period where you can decide on your coverage.

If you do not have other health insurance, such as employer or spousal coverage you will want to keep the Medicare Part B and pay the premium. Medicare Part A usually has no premium.

If you have heath insurance from the Healthcare marketplace, you would go onto Medicare and discontinue your current insurance.

You will be responsible for Medicare Part A deductibles and copays and the Part B deductible and 20% that Part B does not cover.

Medicare supplements are priced for people over 65, so the best option in this scenario is to enroll in a Medicare advantage plan.

In most cases you will not have to pay a premium for the advantage plan. You will be responsible for copays and co-insurances, but you will have a cap on your total expenes. You would still be on Medicare, but your coverage would be through the private insurance company you choose.

Three months before you turn 65, you get another initial enrollment period. You can stay on your current advantage plan, change to another advantage plan or go back to Original Medicare and purchase a Medicare supplement and enroll in a drug plan.