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Medicare Eligibility and Non-U.S. Citizens

A lawful permanent resident (LPR) or Green Card holder is a person granted the right to live in the U.S. indefinitely. The Green Card is a photo ID given that proves their status. It’s a shining symbol of the holder’s hopes and dreams that brought them here.

It paves the way with getting work and building a new life. It allows holders to later become a part of the political process. And helps with establishing permanent U.S. citizenship.

Another bright benefit of your Green Card? It opens access to Medicare.

  1. Here’s a Quick Tour of Your Medicare Eligibility

    If you have your Green Card, you may qualify for Medicare…

    …if you’re 65 or older and:

    • You or your spouse paid Medicare payroll taxes to an employer for a minimum of 10 years or 40 quarters, and
    • Legally lived in the U.S. for at least five continuous years

    …if you’re younger than 65 and:

    • Have certain health conditions or are disabled, and
    • Meet the requirements for Social Security Disability Insurance. This includes work history, paying Social Security taxes on income, and having enough years of Social Security taxes to equal between 20 and 40 work credits (5 to 10 years).

    If you have legally lived in the U.S. for less than five continuous years:

    You’re not eligible for Medicare. But may be able to buy private health insurance.

  2. What You’ll Pay

    Whether you are a naturalized citizen, a Green Card holder, or a natural-born citizen, Medicare Part A helps cover hospital insurance. It’s free if you paid Medicare payroll taxes for at least 40 quarters. You’ll pay a monthly premium for Part A if your work history is less than 40 quarters. The premium amount depends on the quarters worked.

    You’ll also pay a separate monthly premium for the following.

    • Medicare Part B that helps cover medical insurance
    • Part C (Medicare Advantage), which is another way for getting Medicare health care
    • Part D (prescription drug coverage)

    In 2023:

    • If you worked between 30 to 39 quarters, the monthly Medicare Part A premium is $278. It’s $506 if you worked less than 30 quarters.
    • The standard monthly premium for Medicare Part B is $164.90. Monthly premiums can be higher for those with higher incomes.
    • Monthly premiums vary depending on the plan selected for both Medicare Advantage and Part D prescription drug plans.
  3. Need Help Understanding Medicare?

    Medicare information is available in most languages. Go to the site. Scroll to the bottom of the homepage. Under “Take Action,” select “Get information in other languages.” This page has links and materials translated into 23 languages. Links include Arabic, Chinese, Farsi, German, Haitian Creole, Italian, Tagalong, and many more.

    Medicare may also be able to provide services offering your preferred language. Call 1-800-633-4227 (TTY: 1-877-486-2048) to learn more.

    The State Health Insurance Assistance Program (SHIP) is another resource that speaks other languages. Visit to find the SHIP in your state.

  4. Lighting the Way

    Need more help with your Medicare choices? Our experienced licensed insurance agents will help put together a plan that’s right for you.

Give us a Call

1-844-672-0317 (TTY: 711)
9 AM to 6 PM ET

MR654 11/2022