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ARKANSAS,
ARIZONA,
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Rick Sobotka, MBA
President &
Independent Advisor


Rick@CarefreeInsuranceGroup.com

        AZ Direct: (623) 229-7802
        AR Direct: (501) 264-4776

     Toll Free: (866) 478-8251
                Fax: (866) 773-9748   


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Arkansas License 11733505
Arizona License 928358
New Mexico License 342844


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Who is eligible for Medicare?

Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years old and a citizen or permanent resident of the United States.  You might also qualify for coverage if you are a younger person with a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant).

Here are some simple guidelines.  

You can get Part A at age 65 without having to pay premiums if:

  • You are already receiving retirement benefits from Social Security or the Railroad Retirement Board.  
  • You are eligible to receive Social Security or Railroad benefits, but have not yet filed for them.
  • You or your spouse had Medicare-covered government employment.

If you are under 65, you can get Part A without having to pay premiums if:

  • You have received Social Security or Railroad Retirement Board disability benefit for 24 months. 
  • You are a kidney dialysis or kidney transplant patient.

While you do not have to pay a premium for Part A if you meet one of those conditions, you must pay for Part B if you want it.  In 2012 the monthly premium for Part B is $99.90 for all beneficiaries with incomes under $85,000 (single) and $170,000 (married).  It is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check.

If you do not get any of the above payments, Medicare sends you a bill for your Part B premium every 3 months. If you have questions about your eligibility for Medicare Part A or Part B, or if you want to apply for Medicare, call the Social Security Administration. The toll-free telephone number is: 1-800-772-1213. The TTY-TDD number for the hearing and speech impaired is 1-800-325-0778. You can also get information about buying Part A as well as part B if you do not qualify for premium-free part A.

                                                                                                                                                                                           
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