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Are There Any Exceptions to the Medicare Cutoff Age?

With the speed at which the healthcare industry is changing, one thing you do not have to worry about is Medicare having a cut-off age. Today, Medicare does not have any defined or regulated cutoff age where they will deny coverage based on when someone was born.

If you are 65 years or older, and during your working days, you paid Medicare taxes for at least ten years, you are eligible for Medicare Part A (Hospital Insurance) for free. If you did not work during your working years, you are still eligible to receive Medicare Part A over the age of 65 years old. However, since you did not pay the Medicare taxes for at least ten years, there will be a monthly premium associated with your Medicare Part A coverage.

Also, if any of the following scenarios fit your situation, you are also eligible for Medicare after 65 years old. In the following scenarios you are not required to pay a monthly premium for your Medicare Part A coverage:

  • • If you or your spouse had government jobs that are covered by Medicare.
  • • If you have not yet filed your Railroad benefits or your Social Security benefits, but you are eligible for them.
  • • If you are already receiving Railroad or Social Security retirement benefits.

What About Getting Part B After 65 Years Old?

If you are eligible for Medicare Part A coverage, whether it is free or a paid policy, you are eligible to enroll in Medicare Part B. However, Medicare Part B is not free even if you are eligible. There will be a monthly premium associated with this coverage. Once you elect for Part A, you will be asked if you’d like to add Part B.

If you say yes to Part B, you will have two excellent health care coverages working for you. If you decline Part B and would like to get it at a later date, you can do so. Just keep in mind, once you are ready to elect Part B, unless you qualify for the Special Enrollment Period (SEP) you could be subject to a premium penalty for not enrolling into Part B when you were first eligible.

What if I’m Planning on Working Past Age 65?

It is not a “norm” yet, but working past the age of 65 is starting to pick up steam. With the knowledge we now have regarding modern medicine, exercise, and how the body works, people are feeling competent and capable and living much longer than they did in the past. With that said, some people who are 65 years old, are choosing to work past the age of 65.