You usually don’t pay a monthly premium for Medicare Part A (Hospital Insurance) coverage if you or your spouse paid Medicare taxes while working. This is sometimes called “premium-free Part A.” If you did not pay Medicare Taxes for at least 40 quarters, you will have to pay for some or all of the Part A premium. But, most people get premium-free Part A. You can get premium-free Part A at 65 if:

  • You already get retirement benefits from Social Security or the Railroad Retirement Board.
  • You’re eligible to get Social Security or Railroad benefits but haven’t filed for them yet.
  • You or your spouse had Medicare-covered government employment.

If you’re under 65, you can get premium-free Part A if:

  • You got Social Security or Railroad Retirement Board disability benefits for 24 months.
  • You have End-Stage Renal Disease (ESRD) and meet certain requirements.


Medicare Part A is known as your Hospitalization Insurance.
Part A covers some of the following expenses:

  • Hospital care of an inpatient nature
  • Skilled nursing facility care of an inpatient nature
  • Inpatient rehabilitation facility care
  • Hospice care at home or facility
  • Selected types of home health care services
  • Mental health or psychiatric inpatient care

If you feel you may qualify, or if you would like to find out how to apply, please contact our office at 503-659-5566 or toll free 1-888-944-4644. We are happy to help you in this process.