Read this tip to make your life smarter, better, faster and wiser. LifeTips is the place to go when you need to know about Medicare Eligibility and other Medicare topics.
Medicare health coverage is divided into four parts. Medicare eligibility for Parts A, B, C and D is determined by United States citizenship for people who are 65 or older. Medical eligibility is also defined for people with kidney failure requiring dialysis or transplant as well as those under 65 with certain disabilities
Medicare Part A is usually free of charge as long as the person or their spouse has paid Medicare taxes through their employer. People that are not eligible for free Medicare Part A may purchase Part A coverage if they are enrolled or enrolling in Medicare Part B and meet United States citizenship requirements. People under 65 who are disabled and have received free Part A, but have returned to work are also eligible for Part A coverage for a fee. People who choose to pay for Part A often must also pay for Part B coverage. State assistance may be available in certain cases.
Medicare part B coverage requires payment of a standard monthly premium. People may be required to pay more for a monthly premium when the person's IRS tax returns for the prior two years is above a certain threshold. Those who must pay a higher premium are notified by the Social Security Administration, and when in disagreement may contact the Social Security Administration at their toll free number or by email. A late enrollment penalty may be charged for people who don't participate when they are initially eligible.
Medicare Part C is covered by third party insurers. Fees may vary based on insurer and region, but are regulated by Medicare. Part D Medicare prescription coverage also requires Medicare Part A or Part B coverage and is usually offered by third party insurers that are chosen and regulated by Medicare. Cost and drugs that are covered may vary from plan to plan.