No American citizen can doubt that Medicare does a great service for the country of the United States. Thanks to Medicare, millions of Americans who do not have access to medical services can obtain entitlements that help pay for medical expenses. In general, the most basic part of Medicare is free to citizens, but it is not the same for everyone.
There is a group of Americans who cannot get Medicare Part A completely free. In this sense, it is important to know what are the requirements to receive this medical service without the need to pay a single dollar more. Otherwise, we would have to pay every month a payment that could be too expensive for some citizens.
By fulfilling these requirements we will have access to Medicare Part A only, as well as to the free part of Medicare Part B. Remember that Part B has a Premium part that is not free, as well as other parts such as Part C (Advantage) or Part D (Drug coverage). This time we are going to focus on Part A, which is free for most Americans.
Who doesn’t get Medicare Part A for free?
Many citizens will end up paying Medicare Part A for a variety of reasons. Citizens who do not have a retirement or Social Security disability benefit of some kind will have to pay Medicare Part A. Also, if we are able to apply for this medical service before age 65, we do not have to pay for it either.
In order to avoid paying a Medicare Part A premium, we must have worked a minimum of 10 years. This will ensure that we have paid enough taxes to cover the medical expenses. It is also possible to be covered for these medical services if our spouse has worked during that time. Otherwise, we will be obligated to pay Medicare every month.
However, remember that if you can apply for the Social Security benefit, you will be able to have Medicare Part A without any co-payments. So don’t worry about your healthcare-related costs, as they will be mostly covered by Medicare. Even so, it is good to remember that this medical service does not include all coverages, so before applying for it we should check that we have everything covered.
When can I apply for this medical help?
In order to apply for Medicare we need to be 65 years of age or older. Apart from this group of citizens, users with a disability who meet all the requirements can also receive medical help from the government.
Accessing Medicare helps low-income citizens a lot, as it allows them to have hospitalizations and other services without paying more. In addition to this, there are also other parts, such as C or D, which do require payment.
In case we want to have Medicare Part C or D, we must pay a monthly payment. Even so, it is very advantageous, since in most of the medical bills we will not have to pay more money. In a long term, paying for Part C or Part D can be cheap, as it will help us to pay for all medical related expenses.