Divorced? How It Can Affect Your Medicare Eligibility
If your marriage lasted 10 or more years, you are currently unmarried, and you are at least 62, you can qualify for premium-free Part A through your ex-spouse's work credits. You don't need your ex-spouse's permission.
When This Applies
- You recently divorced after a long marriage
- You have fewer than 40 work credits yourself
- You relied on your spouse's employer coverage
- You need to know if you qualify for Medicare through your ex
Frequently Asked Questions
- Does my ex need to agree?
- No. You can qualify independently through their work record without their consent or knowledge.
- What if I remarried?
- Remarriage generally disqualifies you from using ex-spouse credits. But if the new marriage ended, you may qualify again.
- Can I use my ex's credits for Part B?
- Part B eligibility isn't based on work credits — anyone 65+ who qualifies for Part A can enroll in Part B.