Determining your eligibility for Medicare is straightforward. Typically, you qualify if you or your spouse worked in Medicare-covered employment for at least 10 years, and you're 65 years old and a U.S. citizen or permanent resident. Alternatively, you may be eligible if you have a disability or End-Stage Renal Disease.

Here are some basic criteria: If you're 65 and receive retirement benefits from Social Security or the Railroad Retirement Board, or if you're eligible for these benefits but haven't applied yet, or if you or your spouse had Medicare-covered government employment, you can get Part A without premiums. If you're under 65 and have received Social Security or Railroad Retirement Board disability benefits for 24 months, or if you're a kidney dialysis or transplant patient, you can also get Part A without premiums.

While Part A doesn't require premiums under these conditions, you'll need to pay for Part B, deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don't receive these payments, Medicare will bill you for your Part B premium every three months.

Questions? Feel free to reach out to us for assistance with your Medicare health insurance needs. When you contact the phone number provided on this website, you'll be connected with a licensed agent who can help.