Eligibility for Medicare in Ohio
Before you can determine your Medicare eligibility in Ohio, you must first know about certain requirements and dates. For example, you need to understand who is eligible for Medicare in Ohio, when you qualify for Medicare, and the important decisions you need to make about your coverage. Proper timing is important if you want to avoid paying penalties or having a coverage gap. Learn more about how to become eligible for Medicare by reviewing the sections below.
Who is eligible for Medicare in Ohio?
In general, eligibility for Medicare in Ohio begins when you are 65. To meet Medicare qualifications, you must be either a citizen of the United States or a permanent legal resident who has lived in the U.S. or one of its territories for at least five continuous years. In addition, to qualify for Medicare, either you or your spouse must have paid taxes for Medicare for at least 10 years while working. You can still be eligible for Medicare in OH if you are divorced from your spouse, or if your spouse is deceased. You can also be qualified for Medicare if you are younger than 65 years of age, but you must meet certain requirements. Find out all about specific Medicare eligibility requirements by downloading our comprehensive guide.
Other Medicare eligibility guidelines include:
- You have been collecting disability benefits from Social Security for 24 months.
- You have been collecting disability benefits from the Railroad Retirement Board for 24 months.
- You have Lou Gehrig’s disease, amyotrophic lateral sclerosis (ALS), and collect disability benefits.
- You have End-Stage Renal Disease (ESRD) and are a kidney transplant patient or are on kidney dialysis.
Eligibility for Medicare in Ohio is not based on income level. However, if your income exceeds certain guidelines, you might have to pay higher premiums for Medicare Part B and prescription drug coverage.
You qualify for Medicare Part A free premiums if:
- Either Social Security or the Railroad Retirement Board currently pays you retirement benefits.
- You can receive retirement benefits from either organization but have not applied for them yet.
- Either you or your spouse worked at a government job covered by Medicare.
Note: You are not qualified for Medicare benefits eligibility if you are incarcerated or if you are in the U.S. illegally.
When You Qualify for Medicare in Ohio
You may have Medicare benefits eligibility automatically, or you may have to submit an application, depending on your situation. You get automatic eligibility for Medicare Part A and Part B when you turn 65 years of age, if you already receive Social Security or Railroad Retirement Board benefits. You will get Medicare Part A and Part B on the first day of the month in which you turn 65. If your birthday falls on the first day of the month, then your coverage will start on the first day of the month before.
You also automatically qualify for Medicare in Ohio if you are younger than 65 years of age, have ALS and receive disability benefits, or if you have been collecting disability benefits for any other reason for 24 months. If you have ALS, your Medicare eligibility begins as soon as you start collecting disability. If you are receiving disability benefits for other reasons, you qualify for Medicare benefits after collecting disability for 24 months.
Medicare eligibility is not automatic if you do not currently receive Social Security or Railroad Retirement Board benefits. In this case, you need to submit an application for Medicare benefits eligibility. If you have never worked, or if you have not worked the required 10 years to meet Medicare qualifications, you can get Medicare when you turn 65 years of age if your spouse meets the requirements and is 62 or older.
If you do not sign up when you are first eligible for Medicare benefits and are not covered by other health insurance, you will have to pay a penalty for late enrollment for both Part A and Part B. Thus, it is important to be aware of when you meet Medicare qualifications in OH.
Medicare Benefits Eligibility and End-Stage Renal Disease in Ohio
Eligibility for Medicare in Ohio is not automatic if you have end-stage renal disease (ESRD), even if you receive disability benefits, so you will still need to fill out an application. However, you may meet Medicare qualifications, regardless of age, if your kidneys do not function, if you have had a kidney transplant or need regular kidney dialysis, and you meet one of the following Medicare eligibility requirements:
- You have worked at least 10 years as a government employee under Social Security or the Railroad Retirement Board.
- You already receive or are eligible for Social Security or Railroad Retirement Board benefits.
- Your spouse or parent (if you are a dependent child) meets either of these two requirements.
If you have already met Medicare eligibility qualifications and are paying a penalty on your current premium, you can reenroll in Medicare based on ESRD to remove the penalty and pay a lower premium.
Medicare benefits eligibility can change if you have Medicare based on ESRD. If you are younger than 65 years of age, your Medicare eligibility ends either 12 months after you stop kidney dialysis treatments or 36 months after you receive a successful kidney transplant. Your eligibility for Medicare resumes if you have to start kidney dialysis again or if you have to get another kidney transplant.
How to Obtain Benefits If You Do Not Qualify for Medicare in Ohio
If after learning how to qualify for Medicare in Ohio, you find that you are not eligible for Medicare coverage, you can still learn how to enroll. However, you will have to pay a monthly premium for both Part A and Part B. If you do not meet Medicare eligibility guidelines for free Part A premiums, you are not required to enroll if you do not want to.