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Is Medicare Right for You?

Is Medicare Right for You?


Generally, you are eligible for Medicare if:

  • You or your spouse have been working under a Medicare-covered employment for over 10 years;
  • Are approaching the age of 65;
  • Have been a citizen of the USA or are a permanent resident for 5 continuous years

Individuals below the age of 65 are also eligible for Medicare if they are suffering from a disability, kidney failure or if they have Lou Gehrig’s disease (commonly known as ALS).

Basic criteria for the various parts of Medicare:

You can enroll in Part A without paying premiums if:

  • You receiveretirement benefits from Social Security and the Railroad Retirement Board
  • You are qualifiedto receive benefits from Social Security and the Railroad Retirement Board (even if you haven’t filed your papers).
  • Either you or your spouse filed Medicare taxes

People below 65, can qualify for Part A without paying premiums if:

  • They have been given Social Security payments or payments on Railroad Retirement.
  • They are entitled to a board disability benefit for two years or more.
  • They require extensive kidney treatment such as dialysis and transplants.

Meeting the above requirements will waive premium payments associated with Part A but Part B might still require payment. This amount can be deducted from:

  • Social Security
  • Railroad Retirement Fund
  • Civil Service Retirement Fund

If you are not entitled to the above, you will be billed directly by Medicare every three months to cover the cost of Part B.

Need to know more? Get in touch with us so we can facilitate you in any way possible with regard to your Medicare Health Insurance.

You can connect with one of our licensed agents via the phone numbers provided here.

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