Starting Medicare before 65? Build the right starting plan.

Start with the reason Medicare is beginning

Medicare generally begins after 24 months of qualifying Social Security or Railroad Retirement disability benefits. For ALS, Medicare can begin when qualifying disability benefits start. End-stage renal disease, or ESRD, has a separate eligibility and enrollment process.

A diagnosis or a VA disability rating is not, on its own, a Medicare enrollment confirmation. Use the eligibility notice and the instructions from Social Security, the Railroad Retirement Board or Medicare to establish your own pathway.

Check dates before comparing private plans

Read the start dates for Part A and Part B separately. Ask whether enrollment will be automatic or whether an application is needed. Medicare identifies different steps for people in Puerto Rico or outside the United States.

With ESRD, treatment and transplant circumstances can affect when coverage starts. Existing employer or union coverage may also require coordination. Confirm the applicable dates rather than applying the ordinary disability waiting-period rule to everyone.

Compare access to the care you actually use

Original Medicare and Medicare Advantage are different ways to receive Medicare benefits. Compare the exact specialists, facilities, treatments and medications involved in your care. For ESRD, include dialysis and transplant providers in the network review.

Medigap buying protections under federal law are generally tied to being 65 or older and enrolled in Part B. Insurers are not generally required by federal law to sell Medigap to people under 65; state protections may provide additional options. Check your state before assuming a supplement is either available or unavailable.

Connect Medicare to the benefits you already have

TFL can apply to TRICARE-eligible people with Parts A and B regardless of age. CHAMPVA also has Medicare-related requirements. VA health care is a separate program, so identify the benefits actually held by the person receiving Medicare.

Prepare the effective dates, provider list, pharmacy pathway and questions for a review. Keep benefit numbers and health records in private records—not a public website form. A useful comparison should explain the next step without assuming a plan change is necessary.

Bring these questions to the review.

• What eligibility pathway and effective dates are shown on my notice?
• Do I need to apply for either Medicare part?
• Which coverage options include the care and medications I use?
• What Medigap protections apply in my state?