What if I don’t have enough credits to qualify for Premium Free Medicare Part A?
Next month, I’ll be 65. I’ve only worked for a few years and my spouse is 60. Can I enroll in Medicare?
Yes, you can enroll in Medicare. But if you’ve worked less than 10 years in Medicare-covered employment, you’ll have to pay a monthly premium for Part A. If you choose Part B, you’ll also have to pay the Part B premium.
Enroll in Part A and Part B or find out how much your Part A premium will be.
Does a spouse, age 62, get Medicare when their husband/wife aged 65 does?
Generally, no. You can’t get Medicare until you’re 65. However, you may qualify for Medicare coverage if you’re less than 65 if you have a disability or End-Stage Renal Disease (ESRD). CMS.Gov
How does paying the premium for Part A Hospital compare to just continuing your premiums for Individual Medical Coverage?
Unfortunately, our FREE Quote Engine doesn’t calculate over 65, coverage is generally not available. In reviewing the confidential file for this hypothetical person asking the question their husband and wife rate is $1,380 for Health Net Gold HMO. The rate for the under age 62 spouse only is $661, thus the premium would be $719 for the person who is 65. $426 for Part A Hospital + $105 to $120 for Part B Doctor Visits – ZERO for a Medicare Advantage Plan that includes Part D Prescriptions still sounds like a good deal, especially since it doesn’t give you the Part B late enrollment penalty which includes having to wait till the next July to have it effective. There is also a Part D Rx penalty if you don’t enroll when eligible.
Original Question from Website Visitor
They state that I am not eligible as I don’t have enough credits and won’t be eligible until my husband turns 62 this coming October, then apply under him as he does have the credits. They also said I couldn’t get Part B – Doctor Visits until open enrollment, Jan-March 2017, which wouldn’t be effective till July.
What if I worked for a County or School District that didn’t pay into Social Security or Medicare, like San Bernardino?