Medicare 101
Medicare Eligibility
Most people become eligible for Medicare at age 65. You also qualify before 65 if you've received Social Security Disability for 24 months, or have ALS or End-Stage Renal Disease. You're eligible for premium-free Part A if you or your spouse paid Medicare taxes for at least 10 years (40 quarters).
Working past 65
If you or your spouse are still working with employer coverage, you may be able to delay Part B without penalty. The rules depend on employer size — we'll tell you whether to enroll now or wait.
Questions, answered
Do I have to take Medicare at 65?
Not always. Group health coverage based on your or your spouse's current employment may qualify you to delay Part B and use a Special Enrollment Period. Confirm payment order with your benefits administrator. Creditable drug coverage is a separate Part D rule; it does not by itself let you delay Part B.
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