Which statement is true about Medicare Part A eligibility?

• A. It is automatically available to most people who have paid into Medicare through payroll taxes
• B. It requires a separate premium for all enrollees
• C. It is only available to those aged 75 or older
• D. It is only available to those who are currently employed

Answer: (A)

Medicare Part A eligibility hinges on work credits earned through payroll taxes. For most people who have paid Medicare taxes for enough quarters (about 10 years or 40 quarters), Part A is premium-free and automatic when they reach age 65. It can also be available earlier for those who have been receiving Social Security disability benefits for at least 24 months, or for people with certain conditions like end-stage renal disease or ALS. Some individuals with insufficient work history can opt to pay a monthly premium to enroll, but that’s not automatic for everyone. It is not limited to those who are currently employed, and it is not restricted to people aged 75 or older.