Does Medicare Cover My Children?

Although Medicare is generally associated with health insurance for seniors 65 and over, there are many people under the age of 65 who receive Medicare benefits due to a qualifying disability.

Medicare Benefits Solutions

Jul 30, 2020

 2 minutes read

Medicare for anyone with end-stage renal disease (ESRD)

The only way a child under the age of 20 will receive Medicare benefits is if they are diagnosed with ESRD, or permanent kidney failure. This is the final stage of chronic kidney disease when dialysis or a kidney transplant is required for survival. Sadly, children can be afflicted with this condition. Medicare can help. 

For your child with ESRD to be eligible for Medicare, one of the following conditions must be met by you or your spouse:

  • Earned a minimum of six credits within the last three years via employment and payment of Social Security taxes.
  • Currently receiving or are eligible to receive Social Security or Railroad Retirement Board (RRB) benefits. 

Additionally, one of the following conditions must be met by your child:

  • Needs regular dialysis.
  • Needs a kidney transplant.

If your child qualifies for Medicare solely due to permanent kidney failure, the coverage will terminate either 12 months following the last month of dialysis treatment or 36 months following the month of the child’s kidney transplant.

Consider enrolling your child in Medicare even if he or she is enrolled in another medical insurance plan. If the current coverage ends for some reason, benefits may change. Enrollment in Medicare may provide consistency in coverage during treatment. 

Adult children with a disability (not ESRD)

If your adult child is a recipient of disability benefits from Social Security or RRB, enrollment in Original Medicare should be automatic after 24 months of receiving these disability benefits. Even if your child has never worked, they will still be eligible for Medicare if they were determined disabled before the age of 22.

Additional resources

Millions of children are enrolled in State Children’s Health Insurance Program (CHIP), available to children under the age of 19 whose family doesn’t qualify for Medicaid. Although benefits may vary by state, there are services required by the government to be included, such as immunizations, prenatal care, doctor services, and hospital care.

Got questions?

Call a licensed sales agent at

877-406-1753 or TTY 771

Mon – Sun 5am to 8pm PST (Closed Thanksgiving)

Send us a message

We aim to reply within 24 hours.



    Medicare Benefits Solutions is a non-government website. This is a solicitation for insurance. By submitting information on this site, I am providing my written consent for Medicare Benefits Solutions, herein after referred to as “Medicare Benefits”, which is a brand operated by HealthCompare Insurance Services Inc., its sales agents, or affiliates to contact me (even if I’m on a state or national do not call registry) at the phone number or email address listed to provide me with quotes or information about Medicare Advantage, Medicare Supplement, and Medicare Part D plans. I further consent to such calls or texts sent via autodialer, automated technology, prerecorded message and/or artificial voice. I understand my consent is not a condition of purchase and that I can revoke my consent at any time via medicarebenefits.com/about-us/contact-us. Additional charges may apply to SMS, call, or Internet usage depending on your data providers.

    Find a plan

    Get plan recommendations

    Compare your current Medicare plan to our recommendations – then choose the plan that gives you more of the things you want.

    Find a new Medicare plan

    Click here to find out more

    Get a plan recommendation based on what's important to you.