There are many ways to qualify for Medicare. Most people 65 or older are eligible for Medicare hospital insurance (Part A) based on their own — or their spouse’s — employment. You are eligible at 65 if you:
■ Receive Social Security or railroad retirement benefits.
■ Are not getting Social Security or railroad retirement benefits, but you have worked long enough to be eligible for them.
■ Would be entitled to Social Security benefits based on your spouse’s (or
divorced spouse’s) work record, and that spouse is at least 62. (Your spouse does not have to apply for benefits for you to be eligible based on your spouse’s work.)
■ Worked long enough in a federal, state or local government job to be insured for Medicare.
Before age 65, you are eligible for Medicare hospital insurance if you:
■ Get Social Security disability benefits and have certain medical conditions. (Call your local Medicare office for more information.)
■ Have been a Social Security disability beneficiary for at least 24 months.
■ Have worked long enough in a federal, state or local government job and you meet the requirements of the Social Security disability program.
— Source: U.S. Social Security Administration