Individuals living in the United States who are 65 and older or under 65 on Social Security Disability Benefits are eligible for Medicare coverage.

People who have paid into Medicare taxes for about 10 years receive Medicare coverage with reduced premiums. While Medicare covers people who have not paid those taxes or who have higher incomes, they may have to pay more for Medicare coverage.

Some people may be automatically enrolled into Medicare if they’re already receiving Social Security benefits, but many people are not automatically enrolled. Do not assume you will begin receiving coverage when you turn 65. You may have to apply for Medicare through the Social Security Administration.

In addition to the health coverage provided by the government in Medicare Parts A and B, the Centers for Medicare & Medicaid Services contracts with private insurance companies so they can offer Medicare plans as well. If you are enrolled in Medicare Parts A and B, you will continue to receive 100% of that coverage regardless of any private plan you may choose. These private plans are carefully monitored by CMS to ensure they meet quality standards. Every year, Medicare evaluates plans based on a 5-star rating system. The 5 star scale, with 5 being the best, is based on the coverage provided and consumer experiences.

Using Medicare coverage may be the right choice for some people who are working. It is very dependent on the coverage offered by your employer, your health, and the Medicare coverage available in your area. There can also be fees related to delaying Medicare coverage, although those are usually waived if you have some other form of “creditable” coverage – essentially something that is close to the standard of coverage that Medicare offers for you.

Read more in our article “Medicare and Still Working Past 65.”