Eligibility for Medicare Part A Purchase

Most people qualify for premium-free Medicare Part A through their work history or that of a spouse. However, if you or your spouse haven’t paid Medicare taxes for at least 10 years (or 40 quarters), you’ll need to purchase Part A. This option is available to those 65 and older or certain younger individuals with disabilities who do not qualify for premium-free Part A.

Enrollment Process for People Who Need to Buy Part A

If you need to purchase Medicare Part A, you can sign up during your Initial Enrollment Period (IEP), which begins three months before your 65th birthday and ends three months after your birthday month. If you miss your IEP, you can enroll during the General Enrollment Period, which runs from January 1 to March 31 each year, though you may face a late enrollment penalty. When purchasing Part A, you'll also need to enroll in Part B and pay both premiums.

Medicare Benefits for People Who Purchase Part A

When you buy Medicare Part A, you gain access to essential hospital insurance, which covers inpatient hospital care, skilled nursing facility care, hospice care, and some home health services. Purchasing Part A ensures you have the necessary coverage for hospital services, protecting you from high out-of-pocket costs in the event of a hospital stay or other covered services. This coverage, combined with Medicare Part B, provides a comprehensive healthcare package tailored to your needs.