Are you eligible for Medicare?
Medicare is the national health insurance program for people aged 65 and older. In 2003, the Medicare Modernization Act extended Medicare coverage to include individuals with disabilities, Lou Gehrig’s disease, and end-stage renal failure. Today nearly 60 million people are eligible for Medicare benefits.
Medicare Eligibility Rules
You qualify for full Medicare benefits at age 65 or older if:
- You are a U.S. citizen or a permanent legal resident who has lived in the United States for at least five years; and
- You or your spouse has worked long enough to be eligible for Social Security or railroad retirement benefits — usually having earned 40 credits from about 10 years of work — even if you are not yet receiving these benefits; or
- You or your spouse is a government employee or retiree who has not paid into Social Security but has paid Medicare payroll taxes while working.
There are four parts of Medicare. All of which are voluntary.
- Part A – hospital insurance. Covers all your inpatient medical care.
- Part B – doctors insurance. Covers all your outpatient medical care.
- Part C – private health insurance plans that expand your Medicare benefits. Also known as Medicare advantage.
- Part D – prescription drug coverage.
You enroll in Original Medicare (Part A and Part B) through the medicare.gov website. Part C and Part D are private health insurance plans which allow you to expand your benefits. Private insurance companies sell these plans and therefore it’s important to work with an independent agency when shopping for Part C or Part D.
Our team of Medicare experts are here to help you expand and customize your benefits. Fill out the form on your screen to get started.
Don’t Miss Your Medicare Enrollment Period
Your initial Medicare Enrollment Period is a seven-month window. It begins three months before your 65 birthday, includes your birthday month, and continuing for the following three months.
Anyone eligible for Medicare must sign up within this seven-month window to avoid a financial penalty. Registering even a month late can result in paying 10% more for the life of your Medicare benefits.
Eligibility For Free Medicare Premiums
Individuals who have worked 40 quarters over their career receive free premiums for Medicare Part A.
During your working career, you pre-pay this Medicare Part A premium through automatic deductions taken from your paycheck. As long as you’ve worked 40 qualifying quarters in which you paid Medicare taxes, your Part A premiums are free.
Individuals who have not worked 40 quarters or have stayed out of the workforce altogether are still eligible for Medicare Part A benefits; however, they will have a monthly premium.
If you are married, either you or your spouse must have worked a minimum of 40 quarters (10 years) in which you paid into Medicare.
The other parts of Medicare also have premiums; however, they are not pre-paid through Medicare taxes.
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Medicare Eligibility vs. Social Security Eligibility
Many people incorrectly assume that Medicare eligibility and Social Security Eligibility are the same. As a result, many people confuse their Social Security enrollment age for the Medicare eligibility age. Here’s the clarification:
- You are eligible for Social Security beginning at age 62.
- Medicare Eligibility is age 65.
Get Free Help From Medicare Expert
Our independent agency provides free advice and support for all things Medicare. We’re here to answer any further questions you may have regarding your Medicare eligibility.
Our team of experts is here to help you customize your Medicare benefits and limit your out-of-pocket medical costs. There are two ways to customize your Medicare benefits.
Medicare Supplemental Insurance (Medigap) plans fill the financial gaps that exist within Original Medicare.
Medicare Advantage plans expand your Medicare benefits to include dental, vision, and prescription drug coverage.
Our friendly team is here to help you explore these options and maximize your Medicare benefits.
Explore your options today by filling out the form on your screen.
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