Can I Get Medicare If I’ve Never Worked?

Who Is Eligible for Medicare?

You are eligible for Medicare if you are 65 years old or you:

  • Are 65 years or older, or you are younger with a disability 
  • Have End-Stage Renal Disease or ALS
  • Are a citizen of the U.S.
  • Get disability benefits from Social Security or the Railroad Retirement Board for at least two years

Can I Get Medicare If I’ve Never Worked?

If you’ve never worked, you can still get Medicare. However, you may have to pay for it. 

Most Medicare recipients don’t pay a premium for Medicare Part A, called premium-free Part A. This is because while you worked, you paid taxes into the Federal Insurance Contributions Act, which funds Medicare. Generally, if you’ve worked a total of ten years, you can get Medicare Part A premium-free.

Can I Still Get Medicare If I Don’t Qualify for Premium-Free Part A?

Yes, you can still get Medicare Part A even if you don’t qualify for premium-free Part A. But you may also be able to get free Medicare Part A through your spouse or if you have certain disabilities or medical conditions.

However, suppose none of those apply to you. In that case, you can enroll in Medicare Part A and Part B to get the most of your Original Medicare benefits.

In 2021, the monthly Part A premium can range from $259 to $471 per month, depending on how many years you worked and paid Medicare taxes. The monthly premium for Part B coverage in 2021 is $148.50, but you may pay more depending on your income.

Turning 65, But Don’t Know Where to Start?

Temmen Insurance can help. We can get you the Medicare coverage you need by simplifying the Medicare process and making suggestions based on your needs. Give us a call today to get your coverage started the right way.

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