Understanding Medicare Eligibility: Who Qualifies for Part A & Part B

Eligibility for Medicare isn’t always automatic—and understanding who qualifies for Parts A and B can help you plan confidently for retirement healthcare. Whether you’re approaching age 65, still working, or helping a spouse navigate the transition, knowing the rules can prevent confusion and missed opportunities.

Our guide, “Am I Eligible for Medicare Part A & Part B?”, breaks down how eligibility works and what determines whether you qualify for premium-free coverage. In simple, visual steps, it explains:

• Who qualifies automatically at age 65

• How Social Security and Railroad Retirement benefits affect enrollment

• How many work credits are needed for premium-free Part A

• What to do if you don’t have enough credits or are not yet receiving benefits

• How citizenship, residency, and disability benefits factor into eligibility

For most people, eligibility depends on a combination of age, work history, and benefit status—but the timing and rules can differ. This guide helps you pinpoint exactly where you stand and what to expect next, so you can make enrollment decisions with confidence.

At LynnLeigh & Co., we believe that understanding Medicare is part of Big Picture Planning. Health coverage isn’t separate from your wealth strategy—it’s a core component of protecting your Later Money and preserving flexibility in retirement.