Generally, one is eligible for Medicare if they or their spouse "worked for at least 10 years in Medicare-covered employment" and if the individual is at least 65 years of age or order and is a permanent resident of the United States.
IV. Medicare Premiums
One qualifies for Medicare Part a at age 65 without the requirement of paying premiums if: (1) They already get retirements benefits from Social Security of the Railroad Retirement Board; (2) They are eligible to get Social Security or Railroad benefits but haven't yet filed for them; or (3) They or their spouse had Medicare-covered government employment.
If the individual is under the age of 65 they can receive Part a without the requirement of paying premiums if they have: (1) Received Social Security or Railroad Retirement Board disability benefits for 24 months; or (2) End-Stage Renal Disease and meet certain requirements. (HHS.gov, 2009)
Premiums for Medicare are stated as follows:
Part a: (Hospital Insurance) Premium - Most people get Part a automatically when they turn age 65. They don't have to pay a monthly payment called a premium for Part a because they or a spouse paid Medicare taxes while they were working. You pay up to $443.00 each month if you don't get premium-free. The Part a premium is $244.00 for those individuals having 30-39 quarters of Medicare covered employment.
Part B: (Medical Insurance) Premium - $96.40 per month.
Part a: (Hospital Insurance) Deductible - $1,068.00 (Per Benefit Period)
Coinsurance - $267.00 a day for the 61st - 90th day each benefit period. $534.00 a day for the 91st - 150th day for each lifetime reserve day (total of 60 lifetime reserve days - non-renewable). All costs for each day beyond 150 days.
Skilled Nursing Facility Coinsurance - Up to $133.50 a day for the 21st - 100th day each benefit period.
Part B: (Medical Insurance) Deductible -...
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