Chartered Retirement Planning Counselor (CRPC) Practice Exam 2026 - Free CRPC Practice Questions and Study Guide

Individuals over 65 years of age are generally eligible for Medicare coverage primarily because this age group has been established as the threshold for qualifying for Social Security benefits, which are tied to Medicare eligibility. The system is designed to provide health coverage as individuals enter their older years, a time when healthcare needs typically increase.

While option A mentions that individuals under 65 years with a disability are also eligible for Medicare, this comes into play as a secondary qualification. However, the primary and most recognized eligibility for Medicare comes from reaching the age of 65.

Option C references individuals with private insurance plans, which does not relate directly to Medicare eligibility. Private insurance does not automatically qualify an individual for Medicare coverage, though it may offer complementary policies or options that work alongside Medicare.

Option D states that all U.S. residents over age 60 are eligible, which is inaccurate as Medicare eligibility begins exclusively at age 65. Thus, it is important to recognize that while various groups may have access to Medicare under certain conditions, the age requirement for general eligibility remains a defining characteristic of the program.