What does the term Age-in mean in Medicare?

"Age-In" in the context of Medicare usually refers to reaching the age of 65, which is the most common way people become eligible for the program, but there are exceptions based on disability and specific medical conditions. Most people become eligible for Medicare when they turn 65 years old. However, some individuals may become eligible earlier if they have certain disabilities or medical conditions.

1. Age 65 or older: Most U.S. citizens and legal residents become eligible for Medicare when they turn 65. This is often referred to as "age-in" eligibility. It includes Medicare Part A (hospital insurance) and Medicare Part B (medical insurance).
2. Under 65 with disabilities: Some individuals who are under 65 may qualify for Medicare if they have been receiving Social Security Disability Insurance (SSDI) benefits or certain Railroad Retirement Board (RRB) disability benefits for at least 24 months. This is not based on age but on their disability status.
3. End-stage renal disease (ESRD) or ALS: Individuals of any age who have end-stage renal disease (ESRD) requiring dialysis or a kidney transplant or who have Amyotrophic Lateral Sclerosis (ALS, also known as Lou Gehrig's disease) can also be eligible for Medicare, regardless of their age.

If you are almost 65 years old, you can apply for Medicare benefits during your Initial Enrollment Period (IEP). The IEP is a seven-month period that begins three months before the month of your 65th birthday, includes the month of your birthday, and extends three months after your birthday month.

Here's a breakdown of when you can apply based on your age:

1. If your birthday is in March, you can apply for Medicare benefits anytime between December 1 of the year you turn 64 and June 30 of the year you turn 65.
2. If your birthday is in April: you can apply for Medicare benefits anytime between January 1 of the year you turn 65 and July 31 of the year you turn 65.
3. If your birthday is in May: you can apply for Medicare benefits anytime between February 1 of the year you turn 65 and August 31 of the year you turn 65.
4. It's important to note that if you delay enrolling in Medicare, you may have to pay a penalty, resulting in higher premiums for Part B (medical insurance) and Part D coverage for prescription drugs later on. It's recommended to enroll during your Initial Enrollment Period to avoid any potential penalties.