There is no denying that having current health insurance coverage is an important part of life. This is especially true if you are advancing in age or experiencing any health challenges. Quality care on a consistent basis can help you live a long and fulfilling life.
Medicare is a federally-funded health insurance program available to most people age 65 and older, and some younger individuals who meet eligibility requirements. There are two parts to Medicare; Part A and Part B. Here we will discuss how you can qualify for premium-free Part A.
What Is Medicare Part A?
Part A of Medicare is the portion that covers:
- Hospitalization and inpatient care
- Skilled nursing facility care
- Nursing home care
- Home health care
- Hospice care
Many individuals are eligible to receive premium-free Medicare Part A. Most of your hospital and long-term care needs are met with this coverage.
Who Is Eligible for Medicare Part A?
Most people become eligible for Part A coverage at age 65. You may qualify for premium-free coverage if you or your spouse has an adequate work history. Other individuals are eligible for Medicare Part A regardless of age, and at no monthly premium cost, if they are disabled or have a qualifying illness.
If you do not meet the criteria to receive premium-free Medicare Part A, you can still purchase the coverage.
How Do I Qualify Through My Spouse’s Work History?
A popular question about Medicare Part A is whether or not you can qualify for coverage through your spouse. The short answer is yes, if you meet the requirements. These are the general guidelines, but you should still talk to health insurance brokers near me to get details regarding your unique circumstances.
First of all, your spouse must meet the work history criteria of at least 10 years of employment where they paid Medicare tax. Additional requirements include:
- You are at least 65 years old
- Married – If you are currently married, you must have been married for at least one year, and your spouse must be eligible for Social Security benefits under disability or retirement
- Divorced – Individuals who are now single but were married to their former spouse for 10 or more years
- Widowed – You were married at least nine months before your spouse died and you are currently single.
Take action early by applying for Medicare Part A as soon as possible. About three months before you turn 65 is the common recommendation. There are some exceptions to these rules, so it is best to ask questions and work with someone who can guide you through the process.