What Happens to My Medicare If My Spouse Dies?
Your own Medicare coverage is not affected by your spouse's death. If you were on your spouse's employer plan, you may need to transition to Medicare and should check your enrollment options promptly.
Frequently Asked Questions
- Do I keep premium-free Part A as a surviving spouse?
- Yes. If you qualified for premium-free Part A through your deceased spouse's work credits, your eligibility continues.
- Will I get a Special Enrollment Period?
- If you lose your spouse's employer coverage due to their death, you may qualify for a SEP to enroll in Part B.
- What about my spouse's Medicare Advantage plan?
- Your spouse's Medicare plan was individual to them. You need your own Medicare coverage based on your own eligibility.