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Do I Still Need Medicare Part A or Part B if I am Working?

Medicare Part A
The answer to this will depend on your circumstance. If you have worked a minimum of 40 quarters (10 years) under Medicare-covered jobs and compensated for Medicare taxes during that period, you become qualified for premium-free Medicare Part A and will be enrolled automatically as you reach the age of 65, regardless of whether you are still employed or not. If your partner has sufficient employment quarters, you can also become eligible for premium-free Medicare Part A on the basis of her or his employment history.

Medicare is a federal health insurance program that offers benefits to American citizens as well as permanent legal residents (of a minimum of 5 consecutive years) aged 65 and older, or those who have a qualifying illness or disability.

A majority of people are automatically enrolled in Original Medicare, Part A, and Part B when they reach eligibility. On the other hand, some people need to enroll in Medicare manually. In simple words, Medicare Part A is basically hospital insurance, whereas Medicare Part B is medical insurance.

Medicare A

Medicare Part A can be explained in the simplest of terms as hospital insurance. When you are enrolled in this plan, it assists you to pay for:
  • Inpatient care
  • Nursing facility
  • Hospice
  • Home health care
  • Semi-private room rent
  • Blood transfusions (higher than 3 pints of blood)

Are You Eligible for Medicare Part A?

  • Age 65 or above
  • Entitled to two-year-long Social Security disability

Medicare B

Medicare Part B is different from A in that it provides essential outpatient medical coverage, including the following:
  • Doctor office visits
  • Diagnostic imaging
  • Surgeries
  • Chemotherapy and radiation
  • Lab testing
  • Preventive care
  • Ambulance rides
  • Extensive dialysis care
  Are You Eligible for Medicare Part B?
  • Age 65 or above
  • If you belong to one or more of the following groups, then Medicare Part B is your primary insurance.

Medicare B

Medicare Part B is different from A in that it provides essential outpatient medical coverage, including the following:
  • Doctor office visits
  • Diagnostic imaging
  • Surgeries
  • Chemotherapy and radiation
  • Lab testing
  • Preventive care
  • Ambulance rides
  • Extensive dialysis care
  Are You Eligible for Medicare Part B?
  • Age 65 or above
  • If you belong to one or more of the following groups, then Medicare Part B is your primary insurance.

What Information Do I Need To Get Started?

Begin by gathering this information so it is available when you actually need it:

  • Social Security Number
  • Medicare number (this can be found on the white, red, and blue Medicare card)
  • Medicare plan enrollment
  • Other insurance plans and policy numbers, including long-term care insurance
  • Contact information for health care providers, such as nurses, doctors, pharmacies, hospitals, and medical suppliers
  • List of present prescription dosages and drugs
  • Current health symptoms, conditions, and treatments
  • History of previous health issues
  • Food restrictions or allergies
  • Emergency contacts, such as family, close friends, housing manager, or clergy
  • Legal and financial information

Sign Up For Medicare

We understand that Medicare matters can get quite complicated. It is better to get help understanding Medicare before you sign up for a plan. With our help, you will have in-depth health insurance knowledge of the benefits offered by basic and supplement plans.

Call right away for your Health Insurance Quotes!

Tel. (619) 569-1965

Our Office Handles Individual & Family Health Insurance, Medicare, Medicare Advantage Plans, Medicare Supplement, Medicare Prescription Drug Plans, Small Business Health Insurance, Life Insurance, Dental Insurance, Vision Insurance, Critical Illness Insurance, Disability Insurance, Accident Insurance, Long-Term Care Insurance, Wellness Products
We service all of Southern California and specialize in San Diego and LA, Downtown Los Angeles, the Beach communities and as far out as Santa Barbara.