Can you get back Medicare Part A coverage if it has been dropped?

1 answer | Last updated: Feb 22, 2011
Dianna in MD asked...
more
 

Answers
Caring.com User - Joseph L.  Matthews
Caring.com Expert
A
Joseph L. Matthews is a Caring.com Expert, an attorney, and the author of Long-Term Care: How to Plan & Pay for It and...
100% helpful
answered...

Your mother-in-law certainly can enroll in Medicare Part A, but the real question is whether she is entitled to Part A coverage without paying a high monthly premium. People age See also:
Do I have to take Medicare?

See all 551 questions about Medicare, Medicaid and Medigap
65 or older who are eligible for either Social Security OR civil service -- including federal government employment -- retirement, dependents, or survivors benefits are eligible for Medicare Part A without having to pay any premium. In other words, your mother-in-law should get free Medicare Part A coverage if either she or your father-in-law was entitled to retirement benefits (and the other one, therefore, entitled to dependents or survivors benefits) from Social Security or the federal civil service retirement system.

If neither your father-in-law nor your mother-in-law was entitled to Social Security or civil service retirement, dependents, or survivors benefits based on either one's work (one of them would need 40 quarters, or ten years, of covered work), your mother-in-law could buy Part A coverage by paying a monthly premium. For people with 30 to 39 quarters of Social Security or civil service work credits, Part A coverage costs $248 a month; for those who have fewer than 30 quarters of work credits, Part A costs $450 a month. However, there may also be a penalty added on top of these amounts for your mother-in-law if she has been eligible for Part A but did not enroll when she could have.

You should immediately contact your local Social Security office to find out what your mother-in-law's status is both under the Social Security system and the federal civil service retirement system. Once they determine her status, she can enroll in Medicare Part A at the Social Security office.

 

 
Ask a question Ask a question | Add an answer Add an answer