Typically, Medicare insurance can be acquired for individuals age 65 or older, people under 65 with disabilities and individuals with End Stage Renal Disease that requires transplant or dialysis. There are two parts to Medicare, Part A that pertains to hospital insurance and Part B that has to do with Medicare insurance. Anyone 65 or older is eligible for Medicare part A that is premium free if you or your wife worked and paid into Medicare taxes not less than 10 years.
A. You’re taking advantage of retirement benefits from Social Security or the Railroad Retirement Board.
B. You’re qualified to receive Social Security or Railroad benefits although you haven’t yet filed for them.
C. You and your wife had Medicare-covered while gainfully employed in government occupations.
If an individual or your spouse have not paid Medicare taxes during your working career, and you’re age sixty five or older as well as being a citizen or permanent resident of the United States, you could be eligible for Medicare Part A if you would like to buy it. If you’re below age 65, you may get Medicare part A and never have to pay premiums if:
A. You’ve already been entitled to Social Security or Railroad Retirement Board disability for two years.
B. You’re a kidney transplant or kidney dialysis patient.
Although the majority of people do not need to pay a premium for Part A, everybody has to purchase Part B should they want it. The monthly premium is subtracted from your Social Security, Railroad Retirement, or Civil Service Retirement money. In the event that you do not receive any of these payments, Medicare will send you a invoice for your part B costs quarterly.