Medicare eligibility is made available to qualifying Texas residents over the age of 65. However, individuals with disabilities may also qualify for Medicare if they are under the age of 65. Medicare eligibility may be available to men and women under the age of 65 who have permanent kidney failure or other medical conditions, such as Lou Gehrig’s disease. Texas residents who meet Medicare qualifications can begin applying for Medicare insurance three months before turning 65. However, certain Texas applicants who do not meet Medicare eligibility may still be able to buy Medicare insurance. Below, Medicare applicants can find information on Texas Medicare eligibility:

  • Medicare eligibility in Texas
  • Who is eligible for Medicare in Texas?
  • How to qualify for Medicare in Texas
  • Premium-free Medicare qualifications in Texas
  • Who is eligible for Medicare prescription drug coverage in Texas?

Medicare Eligibility in Texas

Medicare benefits eligibility depends on several important factors including age, work history, current health insurance coverage and more. An individual who is interested in finding out if he or she meets Medicare eligibility requirements may use a premium calculator.

To determine who is eligible for Medicare in Texas, Social Security may also be contacted online, through email, by telephone, by mail or by visiting a Social Security office in-person.

Who is Eligible for Medicare in Texas?

Medicare is made available to more than 39 million American adults in need of medical insurance. Medicare qualifications include the following:

  • Petitioners must be U.S. citizens or permanent residents of the United States of at least five years
  • To qualify for Medicare, seniors must be at least 65 years of age or older, or have a qualifying disability if younger than 65 years of age
  • Medicare applicants, or the spouse of the recipient, must have worked for at least ten years in Medicare-covered employment

Generally, men and women qualify for Medicare three months before turning 65. However, an individual may also qualify for Medicare if younger than 65, and if he or she has certain disabilities or ongoing health issues, such as end stage renal disease, requiring a kidney transplant or dialysis.

How to Qualify for Medicare in Texas

In addition to minimum age requirements, Medicare eligibility depends on past employment status. Most U.S. workers have a certain portion of Medicare taxes withheld from each paycheck to cover Medicare eligibility; however, there are some exceptions. Applicants who do not meet employment qualifications but are wondering how to qualify for Medicare should contact the Social Security office.

For individuals who qualify for Medicare in Texas, Medicare Part A and Medicare Part B are available insurance options to choose from. Most people who meet Medicare qualifications do not pay for a premium with Medicare Part A plans; however, every person receiving Medicare Part B must pay a premium. Eligibility for Medicare Part A plans cover hospital services and Part B plans cover medical expenses.

Premium-Free Medicare Qualifications in Texas

Applicants who qualify for Medicare may receive premium-free Medicare Part A if they are receiving retirement benefits from the Railroad Retirement Board or from Social Security. Additionally, premium-free Medicare eligibility may be available if the applicant is qualified to receive Railroad Retirement Board or Social Security benefits.

For men and women who meet the age and U.S. citizenship requirements for Medicare benefits eligibility, but did not pay Medicare taxes while working, Medicare Part A may be available by purchase. However, disabled individuals who qualify for Medicare but did not pay Medicare taxes while working may not have to pay Part A Premiums if entitled to Social Security or Railroad Retirement Board disability benefits.

Additionally, an applicant may qualify for Medicare without paying for any Part A premiums if they are a kidney transplant patient, a kidney dialysis patient or have Lou Gehrig’s disease.

Who is Eligible for Medicare Prescription Drug Coverage in Texas?

Applicants who meet Medicare benefits eligibility are also eligible to receive prescription drug coverage, in addition to Medicare coverage. The cost and coverage of each prescription drug plan varies and each plan may cover different drugs. Individuals who meet Medicare qualifications become eligible to add drug coverage through Medicare Part C (the Medicare Advantage Plan) or Medicare Part D (prescription drug coverage).

Qualifying individuals who meet Medicare eligibility may enroll in Medicare Part B without buying Part A. However, all applicants who enroll in Part A must also enroll in Part B. Applicants who meet Medicare benefits eligibility and enroll in Part A or B can also apply for Part D; however, individuals applying for Part C must be enrolled in both Medicare Part A and Part B.