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medicare spousal coverage

What is your Medicare Spousal Coverage?

Most people don’t know the facts when it comes to Medicare spousal coverage. What are the options?

Medicare isn’t just for people who retire after working. In fact, anyone can get Medicare, as long as they are a U.S. citizen or a legal resident for at least five years and meets at least one of these eligibility requirements:

  • Age 65 or older
  • Under age 65 with a qualifying disability
  • Have End-Stage Renal Disease

Yet this is a common question asked by beneficiaries: is there Medicare spousal coverage, and what is it? The short answer is yes, if they are eligible. . It’s not always that simple though.

Employed people pay Medicare taxes through payroll deductions. Once you have worked and paid taxes for at least 10 years, you can qualify for premium-free Medicare Part A coverage when you turn 65. If you are qualified, then your non-working spouse may qualify based on your work record when they turn 65, too. In addition, both of you will qualify for Medicare Part B coverage. Every covered individual will pay a monthly Part B premium.

Younger Spouse

Until your spouse turns 65 and becomes eligible for Medicare, they’ll need other health insurance. This coverage may be through your employer if you continue working. Some employers offer COBRA or other health insurance options for younger spouses of retired employees as well. Your health plan administrator can help you understand your spouse’s options. Your spouse may also purchase individual coverage through the Health Insurance Marketplace in your state until he or she turns 65.

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Older Spouse

An older spouse may qualify for Medicare on your work record at age 65, even if you’re not getting Social Security or Medicare yourself. That’s only the case if you’re at least 62 years old since that’s when you qualify for Social Security.

If your spouse is covered by your employer health insurance, they may want to enroll only in premium-free Medicare Part A until you retire. Part B can be added later without penalty as long as your employer coverage is creditable.

Medicare spousal coverage isn’t necessarily simple, but it’s important to know the facts in order to maintain the proper coverage for you and your spouse.

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