Get Medicare Supplement Plans when married, but know how and when

Advantage of the Part A and Part B Original Medicare is that you become eligible on turning 65  or even in receiving disability benefits, regardless of the fact that you are married or not. In case you are married and do not have the required work credit quarters  as you have not worked in some fulfilling paying job, yet you stand eligible or qualified for the Medicare premium-free Part A benefits through your spouse. The Part B Medicare features always a monthly premium to be paid. mEnrolling in Part A or/and Part B of Medicare Supplement Plans during the enrolment period initially means you can prevent paying late penalties on enrolment, regardless of the age of your spouse.  This exception is available if you are covered under the employment-based health plan coverage of your spouse.

Some People delay enrollment in Part B Medicare as it includes paying monthly premium. In fact, delaying enrolment is appropriate, if you are paying for Part A Medicare and if you are also covered under the plan of your spouses. Thus, you get a chance for Part A or/and Part B Medicare Supplement Plans to sign up during the SEP (special enrollment period) when your employment or the health coverage ends. You can get the required details of the insurance company of your spouse’s by calling Medicare. Generally, you stay qualified for Part A premium-free if you have put in 10 years at least in the work that is 40 quarters by paying the taxes of Medicare. The Part B premium alone is typically paid by the beneficiaries. In case, you have not paid taxes as you have not worked for such a long period anywhere, you are expected to pay for Medicare Part A monthly premium and this is based on the age of your spouse and the length of she or he has paid taxes and worked.

Find out more about coverage

You are married and not worked

 To enjoy Medicare Supplements plans, your spouse should be 62 years old at least and must have 10 years working paying the Medicare taxes, for you to enroll on turning 65 with Medicare and this includes Part A premium-free Medicare.

  • In case your spouse is not yet 62 and you are 65, you cannot get the Part A premium-free coverage until your spouse is 62; especially she must have paid Medicare taxes by working for the 10 years at least. In case both do not qualify with work credits, on turning 65, you have to pay Part A premium and if you choose Part B, pay the premium for that as well.