Are You Eligible?

Eligibility Based on Age

(Age 65 or older)

You’re eligible for Medicare Part A (hospital insurance) if you or your spouse have worked for at least 10 years in Medicare-covered employment.

Eligibility Based on Disability or Medical Condition

(Under Age 65)

If you have a disability or End-Stage Renal Disease (ESRD), you may qualify for Medicare before turning 65.

Part A Premiums

You don’t have to pay a premium for Part A if:

You or your spouse worked in Medicare-covered employment for at least 10 years.
You are receiving Social Security or Railroad Retirement benefits.

If you don’t qualify for premium-free Part A, you may still buy it, but you’ll have to pay a monthly premium.

Part B Premiums

Part B (which covers medical insurance) always requires a premium, even if you qualify for Part A without premiums.

Part B premiums are deducted from your Social Security, Railroad Retirement, or Civil Service Retirement checks. If you don’t get these benefits, you will get a quarterly bill for your Part B premium

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