The time when not having immigration status hurts the most is around age 65. At this age, everyone applies for Medicare. However, if you do not have immigration status, you cannot join Medicare, which everyone else receives. We have summarized the relationship between Medicare, which is essential health insurance for retirees, and immigration status.
-How is Medicare structured?
▲Medicare is composed of 4 parts. Part A is for hospitalization, Part B is for doctor visits, Part C is for Medicare Advantage, and Part D is for prescription drugs. Among them, the parts that you must sign up for through the Social Security Administration (SSA) are Parts A and B. Part A is usually free.
However, if you have not worked in the United States for 10 years, you must pay a monthly premium to sign up for Part A. If the premium is burdensome, you can choose not to buy Part A and just sign up for Part B.
On the other hand, you can only purchase Medicare Advantage Part C or prescription drug Part D if you have Part A and Part B, or Part B.
– What are the conditions to receive Medicare Part A without paying a premium?
▲ First, you must be 65 years old. Second, you must have a record of working for 10 years. Even if you did not work for 10 years, if your spouse or ex-spouse has a record of working for 10 years, you can receive Medicare benefits based on that record.
– Can recent immigrants who have not worked in the U.S. for 10 years receive Medicare?
▲ Recent immigrants who have not worked in the U.S. can enroll in Medicare after 5 years of obtaining permanent residency. Permanent residents who are married to a citizen who has worked in the United States for 10 years can benefit from enrolling in Medicare after one year of becoming a spouse of the citizen.
– How to apply for Medicare
▲ Those who have been receiving Social Security before turning 65 are automatically enrolled in Medicare. New enrollees who are not included in this category must enroll within 7 months, starting from 3 months before turning 65 and ending 3 months after turning 65.
The period during which you can enroll without penalty is this 7-month period. If you miss this enrollment period, you must pay a penalty and enroll again between January and March of the following year.
– Can Medicare beneficiaries have Medicaid?
▲ If Medicare beneficiaries do not have income, they can additionally receive Medicaid. If you receive Medicare and Medicaid at the same time, you can receive medical benefits for virtually no cost.
– What happens to Medicare when traveling abroad?
▲ You cannot receive Medicare benefits while traveling abroad. If you drop out of Medicare, you will need to re-enroll. If you are living abroad, not just traveling temporarily, you will need to cancel your Medicaid Advantage or Part D, which only provides medications.
Since Medicaid is linked to SSI eligibility, if you travel abroad for more than 30 days, you will lose your SSI eligibility and lose Medicaid.
