You are correct, but it is slightly more restrictive; see below. Here is the source document:
FDA authorizes REGEN-COV monoclonal antibody therapy for post-exposure prophylaxis (prevention) for COVID-19August 10, 2021
REGEN-COV may only be used as post-exposure prophylaxis for adults and pediatric individuals (12 years of age and older weighing at least 40 kg) who are:
• at high risk for progression to severe COVID-19, including hospitalization or death, and
• not fully vaccinated or who are not expected to mount an adequate immune response to complete SARS-CoV-2 vaccination (for example, people with immunocompromising conditions, including those taking immunosuppressive medications), and
• have been exposed to an individual infected with SARS-CoV-2 consistent with close contact criteria per Centers for Disease Control and Prevention (CDC), or• who are at high risk of exposure to an individual infected with SARS-CoV-2 because of occurrence of SARS-CoV-2 infection in other individuals in the same institutional setting (for example, nursing homes or prisons)
Criteria for Identifying High Risk Individuals
The following medical conditions or other factors may place adults and pediatric patients (age 12-17 years and weighing at least 40 kg) at higher risk for progression to severe COVID-19:
• Older age (for example, age ≥65 years of age)
• Obesity or being overweight (for example, BMI >25 kg/m , or if age 12-17, have BMI ≥85th percentile for their age and gender based on CDC growth charts
• Pregnancy
• Chronic kidney disease
• Diabetes
• Immunosuppressive disease or immunosuppressive treatment
• Cardiovascular disease (including congenital heart disease) or hypertension
• Chronic lung diseases (for example, chronic obstructive pulmonary disease, asthma [moderate-to-severe], interstitial lung disease, cystic fibrosis and pulmonary hypertension)
• Sickle cell disease
• Neurodevelopmental disorders (for example, cerebral palsy) or other conditions that confer medical complexity (for example, genetic or metabolic syndromes and severe congenital anomalies)
• Having a medical-related technological dependence (for example, tracheostomy, gastrostomy, or positive pressure ventilation (not related to COVID-19))
So, based on all those criteria you outlined, if someone is say, 63 years old and in reasonably good health, does he or she qualify for monoclonals?
Just as an anecdote, I am quite young by FReeper standards (millennial), fully vaccinated, and was OKed for and given this treatment recently due to a breakthrough case of Delta and some relatively minor chronic heart and lung issues. The guidelines seem to be constantly changing (I see this was August 10th) as the fact I was fully vaccinated was basically brushed off and there is a bit of leeway for the doctor as to what health issues are significant enough provided they fall under one of the right categories. Basically, don’t assume you can’t get it. Talk to your doctor, folks, and advocate for yourselves.