A Guide for Disability and Special Situations

Medicare isn’t just for those turning 65.
If you’re under age and living with a disability or chronic condition, you may qualify for full Medicare benefits sooner than you think.

The Problem

Most people associate Medicare with retirement. So if you’re younger and dealing with health challenges, you may feel overlooked or unsure of where to turn.

“Do I qualify for Medicare under disability?”
“Do I have to wait two years?”
“Can I afford it if I’m on a fixed income?”

Too often, people miss out on Medicare benefits they’re eligible for, simply because no one explained the process.

The Guide

At Mere, we help individuals and families across Jacksonville and Northeast Florida understand how Medicare works when disability enters the picture.

Whether you’ve just been approved for Social Security Disability or you’ve had a chronic condition for years, we can help you get the coverage and clarity you deserve.

The Plan: How to Get Medicare Under Age 65

Step 1: Understand the Basic Eligibility Rules

If you're under 65, you may qualify for Medicare if:

• You've received Social Security Disability Insurance (SSDI) for 24 months

• You have End-Stage Renal Disease (ESRD) and require dialysis or a kidney transplant

• You’ve been diagnosed with ALS (Lou Gehrig’s Disease) — no waiting period

Step 2: Know What You’ll Receive

Once eligible, you’ll get:

• Part A (Hospital Insurance): Often free

• Part B (Medical Insurance): Premium required (can be reduced with assistance)

• Optional Part D: Drug coverage

• Supplement or Advantage plan options (though some states have limits)

Many people on disability qualify for Extra Help and Medicaid, which can reduce or eliminate premiums and out-of-pocket costs.

Step 3: Review Plan Options Carefully

Coverage for people under 65 can vary:

• Some Medigap (Supplement) plans may be limited in Florida

• Medicare Advantage plans are more commonly available—but networks and benefits vary widely

• Prescription drug coverage is a must—especially with multiple medications

We’ll help you compare plans that fit your health needs, income, and ZIP code.

Real Story: Getting Medicare at 38

Jorge, a 38-year-old Jacksonville resident, was approved for disability due to a genetic heart condition. He thought he had to wait until age 65 for Medicare.

We explained his SSDI waiting period, helped him find a zero-premium Advantage plan, and connected him with Extra Help to lower his medication costs.

“I didn’t know people my age could get Medicare. This changed everything.”

The Success You Want

With our help, you can:

• Understand your eligibility

• Apply for savings programs

• Choose the right Medicare plan—even under age 65

• Protect your health and income with confidence

📞 Your Next Step

If you—or someone you love—is on disability and needs health coverage, don’t wait.

➡️ Visit www.merebenefits.com/medicare or call us.
We’ll walk you through eligibility, coverage options, and savings programs with patience and care.

#simplyforyourbenefit
Guiding Northeast Florida families through Medicare—at any age