What are the qualifications to get Medicare Part A Hospital at no cost?
Are there Alternatives to paying $458/month?
To be eligible for premium-free Part A, Hospital – an individual must be entitled to receive Medicare based on their own earnings or those of a spouse, parent, or child.
The exact number of QCs (quarters) required is dependent on whether the person is filing for Part A on the basis of age, disability, or End Stage Renal Disease (ESRD). QCs are earned through payment of payroll taxes under the Federal Insurance Contributions Act Wikipedia (FICA) during the person’s working years.
Most individuals pay the full FICA tax so the QCs they earn can be used to meet the requirements for both monthly Social Security benefits and premium-free Part A. Medicare & You Handbook – and Enrolling in A & B See link in side panel *
One spouse did not work and pay into Medicare for the 40 quarters.
Can they apply under their spouses entitlement?
If you’re at least 62 and have worked at least 10 years in Medicare-covered employment, your spouse can get Part A and Part B at 65.
If you’ve worked at least 10 years in Medicare-covered employment but aren’t yet 62 when your spouse turns 65, they won’t be eligible for premium-free Part A until your 62nd birthday. In this case, your spouse should still apply for Part B at 65, so they can avoid paying a higher Part B premium.
However, if you’re still working and your spouse is covered under your group health plan, they could delay their Part B enrollment without paying higher premiums. Publication 11036
Web Visitor Q & A
What about qualifying on my spouses work history?
How can I get Medicare if I don’t qualify for FREE Part A Medicare?
How to earn Social Security – Medicare Credits Publication # 10072 *
Watch out for penalties if you don’t enroll when you are supposed to.
How long must one live in the USA to be able to buy into Medicare?
An individual must be a U.S. resident and either a citizen, or an alien lawfully admitted for permanent residency who has resided in the U.S. continuously for at least 5 years as of the time the application is filed. persons desiring Premium-Part A can only file for coverage during a prescribed enrollment period (see the discussion under Medicare Part B) and must also enroll or already be enrolled in Part B. CMS.Gov
Our Webpage on Late Penalties?
Our Webpage on High Income?
How Part D Late Enrollment Penalty is calculated
While waiting for Medicare Coverage
Video Introduction to Medi Gap
FAQ from Updated Page