Can Spouses Qualify for Medicare Supplement Plans on Partners Work Record?

Questions relating to Medicare Supplement Plans and benefits to spouses as Social Security are more and this is especially with spouses in lower income-earning groups or with spouses who do not work. Is there similar consideration with Medicare as well?

 

There are many families facing the same situation with applying for Medicare Supplement Plans, where the insurance programs from the government covers Americans in the age 65 and over, besides people with certain disabilities.  Generally, the answer is positive. Your spouse qualifies on your work record for Medicare. Remember, Medicare may appear complex, but there are possibilities for the spouses to receive their Medicare.

 

First it is about being qualified for the Medicare to receive Medicare Supplement plans benefits. The eligibility is hospital coverage Part A that is free to workers who worked to avail the benefits of Social security retirement as qualification. To meet that, it means you have earned during the working life 40 credits or something equivalent of working for 10 years. In this people receiving social security disability payments also are considered qualified. The eligible workers spouses are covered, even if they are surviving spouses and divorced on meeting certain conditions.  However, there is a need to pay per month up to $411 if you have no work history and this is for the premiums of Part A.

 

People eligible for Part B Medicare plans enjoy the doctor visits covers and also outpatient services as it does not ask for work history, but require you to pay a premium monthly. Most beneficiaries pay $104.90 per month as premiums, while the higher earners and new beneficiaries pay more.

 

Now, here are some “ifs” that might affect your particular situation. To qualify for premium-free Part A, your spouse must be 65 or older, and you must be at least 62. If you are under age 62, he must pay Part A premiums until you reach that age.

 

Your marriage if new must have a record of at least one year so that he applies on your work record for Medicare. This requirement applies to same-sex couples married as well, if they are eligible for benefits to apply based on the record of their spouse.

 

Finally, to enroll for Medicare Supplement Plans, you can speak to a licensed agent. A safe side is to have a Medigap Plan for Part D coverage or consider the Medicare Advantage plan that is all-in-one, but be sure to know the risks and limits.