Qualifying for Medicare requires more than just reaching Age 65
Age 65 does not automatically qualify you to receive Medicare. Age 65 is one of the eligibility criteria, but does not automatically qualify you to receive the benefit. Qualifying for Medicare is not as simple as many people believe. You must not only meet the age requirement, but either you or your spouse must have worked at least 10 years in a Medicare-covered employment in order to receive what is commonly referred to as free-Medicare-Part A (Hospital Insurance).
Working for 10 years under a Medicare covered employment provides you with the 40 credits, previously called quarters, needed to qualify. On average, an employee earns 4 credits per year of employment, accumulating 40 credits in 10 years.
As of January 1, 1983, if you were a federal employee, you automatically qualify for Medicare. Even if you do not qualify for Part A (premium free), the Social Security Administration might be able to direct you as to how you can obtain Part A of Medicare. Make sure to explore every option to ensure you will be qualifying for Medicare.
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For information on FEHB and Medicare please see the attached
