Medicare is a federal insurance health program that helps millions of people pay for their healthcare. While Medicare doesn’t pay for all of your healthcare costs, it still offers a lot of coverage for specific costs and services, ultimately saving you thousands of dollars in medical bills.
That’s why if you live in the Show-Me State, you may want to learn about your Medicare healthcare options. Here are the things you need to know about qualifying for Medicare in Missouri.
Who Qualifies for Medicare in Missouri?
Medicare is usually available to the people of Missouri who are age 65 or older, under 65 with disabilities, and those with diseases such as End-Stage Renal Disease (ESRD). You must also be a United States citizen or a permanent legal resident that has been in the country for more than five years.
Original Medicare comprises Medicare Part A and Part B. You may be eligible for premium-free Medicare Part A if you are 65 or older and you or your spouse paid payroll taxes while working for at least ten years. You can also get premium-free Medicare Part A at age 65 if:
- You or your spouse had government employment that is covered by Medicare
- You are getting retirement benefits from RRB or Social Security
- You qualify for Social Security or RRB benefits, but you have yet to file.
If you do not meet the conditions above, you will likely be required to purchase Medicare Part A. However, if you are younger than 65, you can get Medicare Part A without a premium if:
- You require kidney dialysis or a transplant
- You have been getting Social Security or RRB disability benefits for at least two years. However, if you have Amyotrophic Lateral Sclerosis (ALS), your benefits will start the first month you started getting disability benefits.
Medicare Plans Available for Missouri Residents
In 2018, roughly 20% of Missouri’s residents received a Medicare plan, either through an Original Medicare plan or Medicare Advantage plan. In 2020, 39% of Missouri residents signed up for a Medicare Advantage plan.
You can also purchase a Medicare Supplement and Medicare Part D prescription drug coverage plan separately for more coverage.
When Can I Enroll in Medicare in Missouri?
Your initial Medicare enrollment period starts three months before you turn 65, and continues for three months after your 65th birthday, giving you a total of seven months to enroll. Generally, it is recommended you sign up for at least Medicare Part A during your initial enrollment period since most people are eligible for premium-free Part A, and it would be at no cost to you (as far as premiums are concerned).
If you decide to continue working after you turn 65 and you have creditable coverage through your employer, you may want to consider your options before deciding whether to sign up for Part B. If you decide to wait, you can enroll during the special enrollment period when you stop working or retire.
Get Medicare Help in Southwest Missouri!
For more information about qualifying for Medicare in Missouri, call Temmen Insurance today. With an office right here in Springfield, MO, we specialize in all-things Medicare. And, we can make the whole process easier for you!