What If I Haven’t Worked Long Enough To Qualify For Medicare?

You need to earn about 40 “credits” or “quarters” by paying Social Security and Medicare payroll taxes while working — equal to about ten years of work — to get Part A services without paying premiums. Your payroll taxes have already covered the premiums. Not having worked long enough to “qualify” means that you can’t receive benefits for Medicare Part A (hospital insurance) without paying premiums for them. It’s possible to qualify for premium-free Part A services if you don’t have enough credits based on your spouse’s work record. That is if you’re 65 or older and your spouse is at least 62. In some instances, you may qualify on the work record of a spouse who is dead or divorced. Kevin Leinum – your local Medicare Expert – can help you understand the many parts of Medicare and determine what the right fit is for you. Give me a call to discuss the options available to you.

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We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 75 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed, or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program, please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov.