Medicare Eligibility Over 65: Who Qualifies?
There are people younger than 65 years old who can qualify for Medicare benefits. These are people who have become eligible for disability. Once qualified, they also become automatically enrolled in Medicare. Of course, this can also impact people over 65. However, the vast majority of people who qualify to gain Medicare eligibility over 65. Not everybody qualifies, but most people who have worked in the country, or had a spouse who worked in the US, do get benefits.
Qualifying For Medicare Eligibility Over 65: Traditional Medicare
Part A and B are called original or traditional Medicare. Part A is often called hospital coverage, and Part B is called medical. They do cover slightly different things. For most beneficiaries, Part A is free and Part B has a premium, but there are exceptions to both of these cases.
Part B is optional, but there may be a penalty if people do not sign up when they first qualify. There are some exceptions to this. For example, some beneficiaries may still get coverage from their jobs and don’t need extra health insurance. They are still allowed to enroll in Part B when their work-related coverage ends even if they did not originally sign up.
Free Medicare Part A
Most people pay nothing for Part A, but they have to get covered based upon earnings and taxes paid over the years. This could be their own earnings or spouses. Qualifying with a person’s own earnings or a spouse’s earning is most common, but in some cases, the earnings of a parent or child may also get used to qualify.
Even if people don’t qualify for free Part A, they might be able to purchase it by paying a premium. This is a more common option for people who came from other countries without the chance to work enough quarters to qualify for free premiums. Even disabled young people, who are in the US, are likely to qualify based upon a parent’s earnings.
What About Medicare Part C
Part C, also called Medicare Advantage, is a type of coverage that offers the benefits of Part A and Part B. It just gets packaged differently and comes from private insurance companies. To enroll in Part C, a beneficiary has to be enrolled in both Part A and B.
Beneficiaries also need to have both A and B to sign up for a supplement. Supplements are different than Part C plans, but they both provide ways for beneficiaries to maximize their benefits.
Medicare Part D
This is the newest medical plan, and it covers prescription drugs. To qualify, beneficiaries either need to be enrolled in Part B or Part A.
Who Does Medicare Help?
Medicare provides health insurance for most senior citizens in the United States. It also provides these valuable benefits for disabled people. Otherwise, it would be challenging for aged or disabled people to qualify for health insurance, so this is an important safety net in the United States.