Medicare is an individual insurance system, merely there are times when ane spouse'south eligibility may aid the other receive certain benefits.

Likewise, the amount of money you and your spouse brand combined may affect your Medicare Part B insurance premiums.

Keep reading to find out how you lot or your spouse may be able to qualify for Medicare based on work history and age.

Medicare is a benefit for individuals who worked and paid Social Security taxes for at least 40 quarters of work, which is roughly about 10 years.

If a person's spouse didn't work, they may all the same qualify for Medicare Office A based on their spouse's work history when they turn age 65.

Rules for Medicare eligibility based on spouse's work history

To qualify for Medicare Part A benefits at age 65 based on your spouse's work history, you must come across 1 of the following requirements:

  • You accept been married to your spouse who qualifies for Social Security benefits for at to the lowest degree 1 year before applying for Social Security benefits.
  • You lot are divorced, but were married to a spouse for at least 10 years who qualifies for Social Security benefits. Y'all must now be single to apply for Medicare benefits.
  • You are widowed, merely were married for at least nine months before your spouse died, and they qualified for Social Security benefits. Y'all must at present be unmarried.

If you aren't sure yous meet a certain requirement, you can contact the Social Security Administration by calling 800-772-1213. You can also visit Medicare.gov and use their eligibility figurer.

The spouse's benefits apply specifically to Part A of Medicare (proceed reading for an explanation of what all of the parts cover).

You can't purchase couple'south coverage for whatsoever other portion of Medicare. Yous must pay for the other individual portions on your own policy.

Yet, it's of import to consider all of your options for Medicare coverage and what volition work best for your needs. One of these options is Medicare Advantage (Part C), which bundles both Part A and Part B together and offers additional coverage and benefits.

If extra coverage, like dental, vision, or hearing care, is important to maintaining your individual health, give some thought to whether original Medicare or Medicare Advantage will work best for you.

If a nonworking spouse is older than yous, and they encounter the 40 quarters requirement

If your spouse is older than you, they'll qualify for Medicare benefits at age 65.

You may be able to receive Medicare benefits slightly before if you lot're at least 62 years one-time, married to someone who is historic period 65, and too worked for 40 quarters and you paid Medicare taxes.

If yous don't meet these requirements, yous may be able to qualify for Medicare Part A, only you'll have to pay the Function A premium until you're age 62.

If you didn't work or meet the 40 quarters requirement, you may take to wait until age 65 to receive coverage under your spouse's benefits.

If a nonworking spouse is older than you, and you encounter the xl quarters requirement

Now permit's look at when your spouse is older than you and your spouse didn't meet the 40 quarters requirement, just you practice.

When y'all turn age 62 and your spouse is age 65, your spouse can usually receive premium-costless Medicare benefits.

Until y'all're age 62, your spouse tin can receive Medicare Part A, simply will accept to pay the premiums if they don't meet the xl quarters of piece of work requirement.

Most considerations for Medicare and spouses are surrounding Medicare Office A, which is the insurance portion that covers infirmary visits.

The other portions are available when an individual turns age 65 and agrees to pay the insurance premium.

If you have further questions about Medicare benefits, you tin can call the Social Security Administration (SSA) at 800-772-1213 or visit your local SSA part for more than information.

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