Medicare – Eligibility
Who is Eligible for Medicare?
Medicare Part A – Hospital Insurance
Medicare Part A is available at no premium cost for most people age 65 or older who are citizens or permanent residents of the United States. You are eligible at age 65 if:
- You receive or are eligible to receive Social Security benefits; or
- You receive or are eligible to receive railroad retirement benefits; or
- You or your spouse or DP/CUP (living or deceased, including divorced spouses) worked long enough in a job where Medicare taxes were paid; or
- You are the dependent parent of a fully insured deceased child.
If you do not meet these requirements, you may be able to get Medicare hospital insurance by paying a monthly premium. You can sign up for Medicare Part A when you first become eligible and after that, usually, only during designated enrollment periods.
Medicare Part B – Medical Insurance
Medicare Part B requires a monthly premium payment.
Anyone who is eligible for Medicare Part A can enroll in Medicare Part B. If you are not eligible for premium-free Medicare Part A, you can buy Medicare Part B if you are age 65 or older and you are:
- A U.S. citizen; or
- A legal resident who has lived in the United States for at least 5 consecutive years.
The monthly premium is the same whether or not you are enrolled in Medicare Part A. Some beneficiaries with higher incomes will pay a higher monthly Medicare Part B premium.
Please note that Hawaii law requires retirees and their dependents who are eligible for Medicare Part B to enroll in order to be covered by EUTF retiree medical and/or prescription drug plans.
Medicare Part C – Medicare Advantage Plans
If you have enrolled for Medicare Parts A and B, you can join a Medicare Advantage plan.
Medicare Advantage plans include:
- Medicare Health Maintenance Organization (HMO) plans;
- Medicare Preferred Provider Organization (PPO) plans;
- Medicare Private Fee-for-Service plans; and
- Medicare Special Needs plans.
The EUTF Kaiser Medicare Retiree plan (Senior Advantage) and the UnitedHealthcare Group Medicare Advantage plan are Medicare Part C plans.
Anyone who has Medicare Part A (hospital insurance), Medicare Part B (medical insurance) or a Medicare Part C (Advantage plan) is eligible for Medicare Part D (prescription drug coverage).