I’m 63 and my husband is 65. Can I qualify for Medicare based on my husband’s age?
No, not at age 63. Medicare is available for people age 65 or older and is comprised of two parts, Part A (Hospital Insurance) and Part B (Medicare Insurance).
You are eligible for premium-free Part A if you are age 65 or older and you or your spouse worked and paid Medicare taxes for at least 10 years.
You can get Part A at age 65 without having to pay premiums if:
• You are receiving retirement benefits from Social Security or the Railroad Retirement Board.
• You are eligible to receive Social Security or Railroad benefits, but you have not yet filed for them.
• You or your spouse had Medicare-covered government employment.
Medicare is also available for younger people with disabilities and people with End Stage Renal Disease (permanent kidney failure requiring dialysis or transplant).
To find out if you are eligible and your expected premium, check out the Medicare.gov eligibility tool.
Do you have a question about Social Security? Ask Martha your own question here.