How to be eligible after divorce to avail Medicare supplement plans cover

People are mostly qualified for premium-free Medicare Part A coverage owing to their history of work or even with their spouse work history. Generally, the Part -A coverage that is premium-free finds one eligible, regardless of whether it is your better-half or you have paid the taxes for Medicare for a period of 10 years at least.  It should account to be payments of 40 quarters to be accounted as coverage premium-free of Part A.


However, if you are divorced, then the option of acquiring Medicare supplement plans depending on the benefits of your ex-spouse is possible, but it also will take into consideration your personal situation.


How to avail after divorce Medicare

Availing Medicare supplement plans after divorce means you must know the way of qualifying on your ex-spouse on the employment record even after your divorce. As per the administration of Social Security, you must qualify some conditions to be considered eligible:


  • You must be unmarried right now
  • You must have attained 62 years
  • Your marriage must have completed 10 or more years of togetherness
  • Your ex-spouse can enjoy the benefits of social security retirement or disability.


The benefit you receive based on your work is lesser to the benefit received on your ex-spouse work. If the conditions match, you can enjoy the premium-free coverage of Part A and B as eligible.

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In case, unfortunately you fail and neither your ex-spouse fulfils the eligibility requirements of Medicare supplement plans, yet you may purchase Part A after paying the premium applicable.


Bear in mind, in case you fail to enroll the moment you are first eligible for Medicare supplement plans, then you have to bear Part A as higher premiums for a time or even pay for Part B until receiving the coverage.


After divorce, Prescription drugs are available?


People eligible for Part A and B, the original Medicare may get Part D enrolled for Prescription drug Medicare coverage.


The Medicare Supplement plans are Medicare approved, but offered by the private insurance companies. By law, the Medicare Supplement plans are anticipated to give coverage identical as the Original Medicare, but for Part A covered, hospice care.  However, the Medicare supplement plans offer extra benefits and many Medicare plans have an inclusion of Part D the prescription drugs coverage for routine dental and vision care.


Tip: Pay Part B Medicare premium and other monthly premiums as long as you are enrolled to enjoy the benefits.


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