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Most people don’t have to pay monthly premiums for Medicare Part A (hospital coverage) because they’ve paid a portion of their earnings into the system for at least 40 quarters throughout their...
To be eligible for premium-free Part A, an individual must be entitled to receive Medicare based on their own earnings or those of a spouse, parent, or child. To receive premium-free Part A, the worker must have a specified number of quarters of coverage (QCs) and file an application for Social Security or Railroad Retirement Board (RRB) benefits.
If you have paid FICA taxes for at least 40 quarters (10 years) through employment, you are eligible for Part A of Original Medicare without having to pay a monthly premium. Part A is commonly referred to as hospital insurance.
You can still get premium-free Part A without any work history as long as your spouse has worked and paid Medicare taxes for at least 40 quarters (10 years) or you have a qualifying disability. Otherwise, you’ll have to pay a monthly premium like any other form of insurance.
In general, a person needs a minimum of 40 calendar quarters of work to be eligible for premium-free Medicare Part A. However, if they do not meet that requirement, their spouse’s work record may...
Medicare Part A is free if you: Have at least 40 calendar quarters of work in any job where you paid Social Security taxes in the U.S. Are eligible for Railroad Retirement benefits. Or, have a spouse that qualifies for premium -free Part A.
As long as you have worked and paid Social Security taxes for at least ten years (or 40 quarters), you’ll receive Part A premium-free. You will have to pay a monthly premium for Part A if you’ve not met that requirement. The premium is based on how many quarters you did pay taxes.
If you don’t have 40 quarters of work, you may have other options for enrolling in Part A. Depending on your circumstances, you may still be eligible for premium-free Part A or able to buy...
Can a person who doesn’t qualify for Medicare purchase the coverage? Any person who has (or whose spouse has) worked and paid Medicare taxes for 40 quarters is eligible for premium-free Part A, hospital insurance.
To qualify for premium-free Medicare Part A, an individual must have worked 40 quarters in their lifetime. This means it takes around 10 years to earn the required 40 credits.