If you are about to turn 65 and plan on enrolling in Medicare, you might be wondering if your younger spouse will also be eligible for Medicare or will be covered under your plan. This article will explain what happens in this situation.
Medicare Eligibility
You are eligible for Medicare if you meet these conditions:
- You are at least 65 years old.
- You are a permanent legal resident of the US for at least five years or are a U.S. Citizen.
- You (or your spouse) are eligible for benefits from Social Security or the Railroad Retirement Board; or
- You (or your spouse) are a government employee or retiree who has paid Medicare payroll taxes.
There are a few exceptions that will allow you to enroll in Medicare before you turn 65 such as having a disability for 24 consecutive months, End Stage Renal Disease, or ALS.
Can my spouse receive Medicare coverage when I turn 65?
Unfortunately, Medicare is designed to cover individuals so your spouse will not be covered under your plan. Therefore, if your spouse does not independently qualify for Medicare, they will not receive Medicare coverage.
Employer insurance often provides group insurance that covers you, your spouse, and dependents, but since Medicare only provides individual insurance, it will not cover anyone other than you.
Health Insurance Options
If your spouse is currently covered under your employer’s plan, you will need to find alternative coverage for him or her when you enroll in Medicare. You can research available options at Healthcare.gov to find coverage for your spouse until they reach 65 and are eligible to enroll in Medicare.
For more information on Medicare and your options when you become eligible, contact a licensed Medicare agent.
