Most people are eligible for Part A premium-free Medicare coverage through their work history or with the work history of their spouse. Generally, one is eligible for Part A premium-free coverage if your spouse or you worked and have paid for a period of at least 10 years Medicare taxes. In fact, even 40 quarters of payment is also accounted as Part A premium-free coverage. However, in case you are divorced, there are options to acquire the Medicare supplement plans benefits based on your ex-spouse situation and also your personal situation will be taken into consideration.
How to get Medicare after divorce
There is a need to know how to qualify so that you get Medicare supplement plans in 2019 even after a divorce on the employment record of your ex-spouse. As per the Social Security Administration, if you need to qualify here are some of the conditions you must meet to be eligible:
- You must be right now unmarried
- Your marriage should have completed at least 10 years or more.
- You have attained 62 years
- Your ex-spouse is permitted to disability benefits or social security retirement benefits.
The benefit that you may have received depending on your work is much lesser than the benefit received depending on the work of your ex-spouse. Only, if these conditions fit, you can be eligible for Part A and B premium-free coverage.
In case, neither your ex-spouse nor you meet the Medicare eligibility requirements, yet you may buy Part A after remitting the applicable premium.
Bear in mind, if you fail to enroll in Medicare as soon as you become eligible first, you will have to bear a higher premium as Part A for a period of time or even for Part B until you have the coverage.
After divorce is the Medicare Advantage for Prescription drugs available
Anyone eligible for (Part A and Part B) Original Medicare may enroll in Part D prescription drug Medicare coverage or (Medicare Part C) Medicare Advantage until they live by the plan.
The Medicare Supplement plans are approved by Medicare, but offered by private insurance companies under the Medicare program. By law, the Medicare Advantage or Supplement plans are expected to provide identical coverage as the Original Medicare, but for the hospice care that is even now under Part A as covered. However, the Medicare Advantage plan offer additional benefits and in fact many Medicare plans also include the prescription drugs Part D coverage for vision and routine dental care.
Tip: Pay your Medicare premium Part B and other premium monthly as per the plan as long as enrolled to enjoy the benefit options.