Medicare Part A is often called hospital insurance and helps cover inpatient hospital care, certain skilled nursing facility care, hospice care, and some home health care. Most people become eligible for Medicare at age 65 if they meet Medicare’s eligibility requirements, while some people may qualify before age 65 due to certain disabilities or medical conditions. Many beneficiaries receive premium-free Medicare Part A because they or their spouse worked and paid Medicare taxes for approximately 10 years, or 40 quarters. If you’re preparing for Medicare, you may also want to learn what Medicare Part A covers, how to sign up for Medicare Part B, and how Medicare Part A and Part B work together.
If you don’t have 40 quarters of Medicare-covered work, that doesn’t necessarily mean you can’t get Medicare Part A. Depending on your work history and eligibility, you may be able to purchase Part A and pay a monthly premium. Understanding the difference between qualifying for Medicare Part A and qualifying for premium-free Part A can help you prepare before turning 65. You can also explore our guides to Medicare Advantage plans, Medicare Part D prescription drug coverage, and Medicare Supplement insurance to learn more about your coverage choices. If you have questions about your Medicare options, call Shields & Associates Insurance Agency at 402-545-8954 to speak with a licensed insurance agent.