Which conditions allow individuals under 65 to qualify for Medicare?

Individuals under 65 can qualify for Medicare through specific conditions that grant them access to the program prior to the standard age of 65. One of the primary pathways is through the receipt of Social Security Disability Insurance (SSDI) benefits or Supplemental Security Income (SSI) for at least 24 months, which is significant because it establishes a level of disability that qualifies for Medicare coverage. Additionally, End-Stage Renal Disease (ESRD) allows individuals to become eligible for Medicare if they require dialysis or have had a kidney transplant, regardless of age.

This understanding of SSDI or SSI, along with the provision for ESRD, forms a vital part of how Medicare eligibility is structured for individuals under 65, thereby ensuring that those with significant health challenges receive the necessary medical support. The combination of receiving SSI or Railroad benefits for over two years, along with the criteria related to ESRD, solidifies the eligibility pathway, making option B the correct choice.