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Does everyone qualify for Medicare?

Does everyone qualify for Medicare?

Just the essentials...

  • Medicare has multiple plans and not every person qualifies

  • Based on your qualifications, you may be eligible for free Medicare Part A

  • If you have to pay for Medicare via premiums, it can be deducted from government retirement checks

Medicare is something that is often misunderstood by the vast majority of Americans, simply because the general thought is that every single person qualifies for it. This could not be farther from the truth.

There are rules in place that are going to dictate whom Medicare is actually eligible for and that is going to drive who can sign up, and for what plan they can also sign up for.

As a consumer, it is important to make yourself aware of these guidelines so that you do not have a false understanding of whether or not you or a loved one may qualify for such a plan.

The United States Department of Health and Human Services has put together some comprehensive documentation around what it takes to qualify for Medicare.

Having an understanding of the documentation, how it pertains to both Medicare Part A and Medicare Part B, can be powerful information to have.

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The Types of Medicare Available

Does everyone qualify for Medicare? - Medicare Diagram

There is more than just one type of Medicare that is made available to Americans living in the country. Medicare Part A is the first type and that is insurance that is used to cover hospital stays and care in that manner.

Medicare Part B is the alternative and the one that usually gets more attention, as this is more of your standard Medicare insurance that mirrors what you used to typically get from a health insurance plan through your work.

Qualifying for Medicare Part A

Does everyone qualify for Medicare? - Medicare Enrollment Form

Medicare Part A, providing you with hospital insurance, is generally available for people of age 65 or older. Younger people that have disabilities, as well as those with End Stage Renal Disease, will also qualify for Medicare Part A.

Typically, Medicare Part A is going to have a premium that is associated with it that you are going to have to pay, but this is not always a mandatory thing.

There are qualifications that you can meet in order to get Medicare Part A premium for free. The first is that you are age 65 or older and you or your spouse worked and paid Medicare taxes for a period that met or exceeded 10-years.

The other ways in which you can get Medicare Part A for free if you are currently receiving retirement benefits from Social Security or the Railroad Retirement Board, or you are eligible to receive these benefits and have just not started to take advantage of them. If you or your spouse had government employment that was covered by Medicare, it will also be free of charge.

Those under the age of 65 can get Medicare Part A for free if you have been entitled to benefits from Social Security of Railroad Retirement Board for a 24-month period. The other way if is you are under 65 and also are a kidney dialysis or kidney transplant patient.

Medicare with a Premium

Does everyone qualify for Medicare?

In the event that you do not meet these qualifications, you are going to have to pay a premium if you want Medicare Part A coverage.

The same qualifications for free premium are not the same for Medicare Part B, which is the most comprehensive coverage. Medicare Part B needs to be paid in the form of a premium pretty much by every single person that qualifies for it.

When you pay for Medicare Part B, you do so by having it deducted from the monthly paycheck that you are receiving from your Social Security, Railroad Retirement Board, or Civil Service retirement checks. You are billed every three-months if you are not on one of these retirement plans.

The Prescription Drug Extension

Does everyone qualify for Medicare?

Medicare also has a prescription drug component and in order to qualify for it, all you have to do is have one of the Medicare plans. Anyone with Medicare, no matter what your health is, your income, and so on, will have the ability to have access to the prescription drug coverage.

It is not as simple as you may think to figure out if you truly do qualify for Medicare Part A, Part B, or the prescription drug coverage plans.

Understanding all of the different requirements that exist and have been put in place will help you have a better grasp of what is available to you.

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