Premium-Free Medicare Part A

Do I Qualify For Premium-Free Part A

Medicare is a federal government health insurance program that covers several different aspects of healthcare. The program consists of four parts, including Original Medicare (Medicare Part A and Part B). Medicare Part A is hospital insurance that covers room charges, nursing services, diagnostic services, meals, and rehab therapy administered by a skilled nursing facility or hospital.

Medicare Part A also covers home care services considered necessary after hospital care. In addition, Part A covers most hospice services for Medicare beneficiaries who are terminally ill with six months or less to live and have stopped taking medical treatment in place of palliative care. With that said, who is eligible for Part A, and how do you qualify for Premium-Free Medicare Part A?

Who is Eligible for Medicare Part A?

To meet the basic eligibility requirement for Medicare Part A, you must be a United States citizen or be a permanent resident and also meet one of the following criteria:

  • You are 65 or older
  • You are younger than 65 with a disability
  • You are of any age but diagnosed with End-Stage Renal Disease (ESRD)

Qualification for Premium-Free Medicare Part A

To qualify for premium-free Part A, you must have worked 40 quarters (10 years) by paying Social Security and Medicare taxes. The payroll taxes have already covered your Part A premiums. However, suppose you don’t have enough credits. In that case, you can still qualify for premium-free Medicare Part A if you have a spouse that has enough credits to qualify for premium-free Part A on the condition that your spouse is at least 62 and you are 65 or older.

If you do not meet these criteria, you can buy into Medicare by paying a monthly Medicare Part A premium. Your monthly premium will depend on the number of years you or your spouse worked at which you paid Social Security taxes.

Summary

Part A is a part of Original Medicare and hospital insurance. Generally, those that are 65 or older, have ESRD, or have a disability are eligible for Medicare Part A. The beneficiaries who qualify for premium-free Part A will usually be automatically enrolled. Those who need to sign up need to pay attention to the important Medicare deadlines. 

If you need more answers about qualifying for premium-free Part A, don’t hesitate to contact the insurance experts at Temmen Insurance.

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