age to qualify for medicare
The Medicare Advantage plan (Part C) Initial Coverage Election Period is generally the same as the Initial Enrollment Period for Medicare Part A and Part B (the seven-month period that starts 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65). The basic rule is to apply for Medicare when you turn 65. There is an open enrollment period which starts three months before the month you reach age 65 and extends three months past the month you turn 65 (a seven-month window). Medicare Part B is for outpatient care, durable medical equipment, and home health care. Part D is for prescription coverage. Not all persons will elect to have coverage in all three areas. Medicaid is more comprehensive in its coverage, but the benefits are specific to the age group. Most individuals don't have to pay a premium for Medicare Part A if they or their spouse paid Medicare taxes while working for at least 10 years (or 40 quarters). If you're not eligible for premium-free Part A, you will have to pay a monthly premium of up to $411 in 2016. When you work and pay Social Security taxes, you earn credits toward Social Security benefits. To qualify for Medicare at age 65, you need 40 credits or 10 years of work. You may qualify for Medicare through your own earnings history, your current spouse, former spouse or deceased spouse. The basic rule is to apply for Medicare when you turn 65. 1  There is an open enrollment period which starts three months before the month you reach age 65 and extends three months past the month you turn 65 (a seven-month window). Medicare can impose hefty penalties if you apply late. Medicare is a federal health insurance program open to Americans aged 65 and older, and those with specific disabilities who are under the age of 65. Medicaid, a combined state and federal program, is a state-specific insurance program for low-income individuals with limited financial assets, regardless of their age. Medicare, generally speaking, offers the same benefits to all eligible participants. Be age 65 or older and eligible for Social Security: You may be automatically enrolled into Medicare Part A (hospital insurance) when you reach age 65 and become eligible for Social Security; but if you want Medicare Part B (medical insurance), you have to enroll in it. You can apply online or sign up by calling Social Security at 1-800-772-1213. If you're still working at 65, read on to find out how it works. If you are still working, age 65 or older, and covered by group health insurance. Most group health plans require that you sign up for Medicare at age 65. Help for some low-income people . . . . . . . . . . . . 9. Signing up for Medicare . . . . . . . . . . . . . . . . . . . 10. Choices for receiving health services . . . . . . . . 15. If you have other health insurance . . . . . . . . . . 15.
65