Ashford Insurance

Eligibility for Medicare

Medicare Made Easy

Eligibility for Medicare

Medicare is a health insurance program for individuals aged 65 or older, younger people with disabilities, and those with End Stage Renal Disease (permanent kidney failure requiring dialysis or transplant). It consists of two parts: Part A (Hospital Insurance) and Part B (Medicare Insurance).

You may qualify for premium-free Part A if you’re 65 or older and have worked and paid Medicare taxes for at least 10 years. If you’re receiving retirement benefits from Social Security or the Railroad Retirement Board, eligible for these benefits but haven’t filed for them, or had Medicare-covered government employment, you can get Part A without paying premiums.

If you (or your spouse) didn’t pay Medicare taxes while working, and you’re 65 or older and a U.S. citizen or permanent resident, you may be able to purchase Part A. If you’re under 65, you can get Part A without paying premiums if you’ve been entitled to Social Security or Railroad Retirement Board disability benefits for 24 months or are a kidney dialysis or kidney transplant patient.

While most people don’t pay a premium for Part A, everyone must pay for Part B. This monthly premium is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don’t receive these payments, Medicare sends you a bill for your Part B premium every three months.

Prescription Drug Coverage:

Since January 1, 2006, everyone with Medicare has had access to prescription drug coverage, regardless of income, health status, or prescription drug usage.

When to Sign Up:

If you’re receiving Social Security benefits before turning 65, you should automatically receive notification of your Medicare enrollment. Others need to apply by calling or visiting their Social Security office. If you’re not yet receiving Social Security or haven’t received a Medicare enrollment notice, contact the nearest Social Security office. You can apply for Medicare during seven months starting three months before your 65th birthday.