Am I Eligible for Medicare?

As we enter our senior years, many of us begin thinking about the transition to Medicare from employer-based insurance plans. We may wonder when we will qualify and if the taxes we have been paying through our working lives will cover our Medicare insurance. As Medicare agents, it’s our job to help kupuna understand their Medicare options and that includes understanding Medicare eligibility and the costs associated with these options. Today we are going to talk about Medicare Part A (the free part of Original Medicare) that covers your hospital insurance and Medicare Part B that covers your medical insurance.



Am I eligible for Medicare?

The vast majority of U.S. citizens or legal permanent residents aged 65 years or older qualify for Medicare. In addition to this, people under the age of 65 who have disabilities* or End Stage Renal Disease (permanent kidney failure requiring dialysis or transplant) typically qualify. Medicare Part A is free for those who fit into these categories as long as they worked or had a spouse who worked and paid Medicare taxes for at least 10 years or they worked or had a spouse who had Medicare-covered government employment. Note that Medicare Part B always carries a monthly premium, which is most often deducted from a person’s Social Security benefits, Railroad Retirement, or Civil Service Retirement check.

To confirm your Medicare eligibility along with your expected premium, use the Medicare.gov eligibility tool.

*What kind of disabilities qualify for Medicare under the age of 65?

There are a few ways that