What Happens to My Spouse When I Go on Medicare

Understanding Medicare Eligibility and Your Spouse

When one spouse qualifies for Medicare, it raises important questions about what happens to the other spouse. Understanding how Medicare impacts the health insurance of a spouse, especially if they are younger, is crucial for planning.

Medicare Coverage for One Spouse

Once a spouse becomes eligible for Medicare at age 65, the other spouse's health insurance coverage may change. This is particularly important for a younger spouse who may not be old enough to qualify for Medicare.

Eligibility Criteria for Medicare

To qualify for Medicare, one needs to meet specific criteria:

• Age 65 or older

• Receiving disability benefits

• Diagnosed with a qualifying condition

For a non-working spouse, eligibility for premium-free Medicare Part A generally depends on the working spouse's work history.

Health Insurance Coverage for a Younger Spouse

If the younger spouse is not eligible for Medicare yet, several health insurance coverage options are available:

• Individual health insurance plans

• Employer-sponsored health insurance if the spouse is still working

• Marketplace health insurance plans

How Medicare Works for Spouses

Medicare coverage does not automatically extend to a spouse. Each individual must meet the eligibility criteria to enroll in Medicare. If one spouse is covered by Medicare, the other spouse must seek separate health insurance coverage until they turn 65.

Transition to Medicare When One Spouse is Younger

When you sign up for Medicare at age 65, it’s essential to plan for your younger spouse's health insurance needs. They may need to maintain their current coverage or seek a new insurance plan.

Medicare Eligibility and Non-Working Spouses

A non-working spouse may be eligible for premium-free Medicare Part A based on the working spouse's work history. However, they must wait until they turn 65 to enroll. Premiums may apply for Medicare Part B and other services.

Medicare Part B Enrollment

Medicare Part B provides essential medical coverage. Both spouses must individually enroll when they become eligible. A premium for Medicare Part B is required, and it offers coverage for doctor's visits, preventive services, and outpatient care.

Medicare Advantage Plans

Medicare Advantage plans are another option that offers additional benefits. Both spouses must separately enroll in a Medicare Advantage plan when eligible. These plans include extra coverage, like prescription drugs and vision care.

Help with Medicare Plans

At Bourgeois Insurance Agency, LLC, we can help you navigate the complexities of Medicare. We offer personalized assistance to ensure you and your spouse have the right coverage. Our licensed insurance agents are here to guide you every step of the way.

We're Here to Help

If you’re wondering about your spouse’s coverage when you get Medicare, call Bourgeois Insurance Agency, LLC at (985) 803-8999. We are located in Thibodaux, Louisiana, and are ready to help you with all your Medicare needs.

Take control of your health insurance planning today. Reach out to Bourgeois Insurance Agency, LLC to ensure you and your spouse have the best coverage options available.