Who is generally eligible for Medicare?

Medicare eligibility primarily includes older adults, specifically those who are 65 years of age and older, as well as individuals under 65 who have certain disabilities or conditions, such as those who are receiving Social Security Title II benefits. Title II beneficiaries refers to people who are eligible for Social Security Disability Insurance (SSDI) or Railroad Retirement Board benefits, making them qualified for Medicare after a waiting period.

The eligibility framework of Medicare ensures that those who have contributed to the Social Security system through payroll taxes (which includes a significant number of older adults) gain access to essential healthcare services as they age or if they become disabled. This demographic focus on older adults and those with disabilities forms the cornerstone of Medicare’s purpose, offering support to those who more frequently need medical care.

Other options reflect misconceptions about who qualifies for the program. Low-income individuals might qualify for Medicaid, which is distinct from Medicare, and there are no age restrictions on it. Individuals under 30 are not typically eligible for Medicare unless they have specific disabilities. Additionally, while veterans may have access to healthcare services through the Department of Veterans Affairs, this does not constitute eligibility for Medicare, which serves a broader population beyond just veterans.