Myth vs Fact: Can I Get Medicare if I’ve Never Worked?

Medicare is available without a monthly premium for individuals who have worked at least 10 years. That begs the question, can I get Medicare if I’ve never worked?

This article will explain Medicare eligibility for individuals that have never worked.

What Is Medicare?

For over 50 years, Medicare has been helping adults over 65 and individuals with disabilities afford healthcare. Coverage includes hospital visits, preventative services, skilled nursing facilities, and hospice.

There are four parts of Medicare:

·       Part A covers hospital stays, nursing facilities, hospice, and some types of home health care.

·       Part B is medical insurance for outpatient care and preventive services.

·       Part C, also known as Medicare Advantage, provides coverage for things Parts A and B don’t cover.

·       Part D helps cover prescription drug costs.

Medicare eligibility depends on whether you are of Medicare age or have a qualifying condition. Learn more about Medicare and your eligibility by speaking with a Medicare agent.

Can I Get Medicare If I’ve Never Worked?

You can get Medicare even if you have never worked. Here is a list of special circumstances that qualify you for Medicare.

Spousal Coverage


·       Your spouse of over one year is eligible for social security, disability, or retirement benefits.

·       If you are divorced, but your former spouse of 10 years or more is eligible for benefits.

·       If your spouse is deceased and you have not married again. You may be eligible if your spouse was eligible for social security, disability, or retirement benefits.

Medical Conditions

Several medical conditions qualify you for Medicare Part A. Some examples include permanent kidney failure and ALS, just to name a few. Contact a Medicare specialist or visit the US Department of Health and Human Services Medicare benefits page to learn about disability eligibility.

Paid Premium

If you are not eligible for free Medicare Part A, you can pay a monthly premium for the same benefits. To apply for Medicare, you must be at least 65 years old and a citizen of the United States for at least five years. Part A may cost up to $470 per month. Your premium may be lower if you worked for less than ten years.

Sign Up for Medicare

Can I get Medicare if I never work? Yes! If you meet any of the criteria above, you may be eligible for Medicare part A.

Spousal coverage, certain medical conditions, and disabilities could impact your eligibility status. If you’re not eligible for zero-premium Medicare, you can pay a monthly premium for Medicare health insurance coverage.

If you have questions about Medicare or your eligibility, connect with us. We are here to help!


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