How Do I Qualify for Medicare?
How Do I Qualify For Medicare?
Since there are many different types of Medicare, qualifying for Medicare isn’t always a “one size fits all” process.
Automatic Enrollment For Older Americans
If you’re getting ready for Social Security retirement, have disability benefits or railroad retirement checks, you will be notified when you become eligible for Medicare and you will receive the necessary information in the mail.
If you are 65, have worked for at least 10 years in Medicare-covered employment and live in the United States, you’ll be automatically eligible for Part A (hospital coverage) and will need to enroll in Part B (medical coverage). Part B comes with a low cost monthly premium.
Once you’ve enrolled, you’ll receive your red, white and blue Medicare card to use for covering your hospital and medical expenses. You’ll start paying your monthly premium for Part B and you’ll pay a deductible when you use your hospital coverage. When you become eligible for Parts A and B, you can also research and find Part C (Medicare Advantage) and Part D (prescription) coverage from private insurers.
What If You’re Not Retiring?
When you turn 65 (unless you are disabled prior to that age), you are automatically entitled to Medicare Part A provided that you have met the requirements (e.g., you have worked for at least 10 years). At this time, you may also elect to enroll in Part B. If you are still employed and working at this age, you can choose to defer your Part B enrollment until such time that you do retire (or until such time that you no longer receive medical coverage from your employer). Until that time, you will want to make sure that the Social Security Administration (SSA) knows that you are employed and that you have coverage under your employer.
Other Enrollment Situations:
The Social Security administration also offers Medicare coverage in several special situations. You can apply for coverage under any of the following situations:
- You are a disabled widow or widower between the ages of 50 and 65 and have been receiving another type of Social Security benefit besides disability.
- You are disabled, under the age of 65 and work for the government.
- You, your spouse or a dependent child has permanent kidney failure.
When in doubt, contact the Social Security administration, or contact a friendly representative here at Florida Health Care Plans to learn more about your eligibility.