You're typically eligible for Medicare at 65. But what if you retire before 65 — like at 62?
You probably have some questions.
Will my Medicare start if I retire at 62?
What will I do if I don't have social security benefits?
How will I cover my health care expenses when I retire at 62?
Fair Square Medicare
Your Medicare
Let's talk about some different scenarios.
If you're receiving Social Security disability benefits
Similarly, if you have end-stage renal disease ( ESRD
Also, if you have amyotrophic lateral sclerosis ( ALS/Lou Gehrig’s disease
Your Medicare Part A premium is based on the number of years you or your spouse have worked and paid Medicare taxes.
If you've paid into Medicare while working for at least 10 years, your Medicare Part A will be free—you don't need to pay a premium.
But, if you've worked for less than 10 years, you might have to pay a premium.
However, if you're 62 and have been working for more than 10 years, your spouse (age 65) may be able to use your work history to their benefit (or vice versa).
So, if your spouse is 65 and has either not been in the workforce or has worked for less than 10 years, they may be eligible for a premium-free Medicare Part A due to your work history.
Here's an example:
John is 65. He has Medicare but needs to pay a premium for his Part A Medicare since he's worked for less than 10 years. His wife, Lily, has been working for more than 10 years. When Lily turns 62, John no longer needs to pay the Part A premium — it's free.
This transfer of spousal benefit is possible only when you turn 62, and your spouse is 65, or vice versa. Your Medicare, however, will not begin until you're 65.
If you retire before 65, but your spouse is still in the workforce, you might be covered under their employer's healthcare insurance — if it includes your spouse.
You can also go for COBRA
You can also purchase an affordable private health insurance plan from the Health Insurance Marketplace
Medicare benefits usually don't begin until you're 65. So, if you retire at age 62 and are not in one of the exemption groups, you'll likely have to look for other options to cover your health expenses.
If you're retiring before (or after) turning 65, and have any questions about your health insurance, you can speak to Fair Square Medicare's
When to Choose Medicare Advantage over Medicare Supplement
Jun 7, 2023
Medicare Guaranteed Issue Rights by State
Feb 10, 2023
Does Medicare Pay for Varicose Vein Treatment?
Nov 18, 2022
Does Medicare Cover Ozempic?
Mar 28, 2023
Finding the Best Dental Plans for Seniors
Jan 4, 2023
Why Is Medicare So Confusing?
Apr 19, 2023
Does Medicare Cover TENS Units?
Nov 23, 2022
How Much Does Xeljanz Cost with Medicare?
Jan 25, 2023
Does Medicare Cover Air Purifiers?
Nov 18, 2022
Does Medicare Cover RSV Vaccines?
Sep 13, 2023
Does Medicare Cover Orthodontic Care?
Nov 18, 2022
13 Best Ways for Seniors to Stay Active in Philadelphia
Mar 7, 2023
Does Medicare Pay for Funeral Expenses?
Dec 6, 2022
How Do I Sign up for Medicare? A Simple How-To Guide For You
Apr 8, 2022
Does Medicare Cover Tymlos?
Dec 5, 2022
How to Deduct Medicare Expenses from Your Taxes
Dec 28, 2022
Do All Hospitals Accept Medicare Advantage Plans?
Apr 11, 2023
Does Medicare Cover Cervical Disc Replacement?
Jan 20, 2023
13 Best Ways for Seniors to Stay Active in Columbus
14 Best Ways for Seniors to Stay Active in Washington, D.C.
2024 Fair Square Client Retention and Satisfaction Report
Building the Future of Senior Healthcare
Can Doctors Choose Not to Accept Medicare?
Can I Change Medicare Advantage Plans Any Time? | Medicare Plans
Can I Change My Primary Care Provider with an Advantage Plan?
Can I Choose Marketplace Coverage Instead of Medicare?
Can I Laminate My Medicare Card?
Can I switch From Medicare Advantage to Medigap?
Can Medicare Advantage Plans Deny Coverage for Pre-Existing Conditions?
Can Medicare Help with the Cost of Tyrvaya?
Do I Need Medicare If My Spouse Has Insurance?
Does Medicare Cover Cardiac Ablation?
Does Medicare Cover Cataract Surgery?
Does Medicare Cover Chiropractic Visits?
Does Medicare Cover Cold Laser Therapy (CLT)?
Does Medicare Cover Cosmetic Surgery?
Does Medicare cover Deviated Septum Surgery?
Does Medicare Cover Flu Shots?
Does Medicare Cover Hearing Aids?
Does Medicare Cover Hepatitis C Treatment?
Does Medicare Cover Hoarding Cleanup?
Does Medicare Cover Incontinence Supplies?
Does Medicare Cover Inspire for Sleep Apnea?
Does Medicare Cover Jakafi?
Does Medicare Cover Kyphoplasty?
Does Medicare Cover Linx Surgery?
Does Medicare Cover Macular Degeneration?
Does Medicare Cover Mental Health?
Does Medicare Cover Nexavar?
Does Medicare Cover Penile Implant Surgery?
Does Medicare Cover Physicals & Blood Work?
Does Medicare Cover PTNS?
Does Medicare Cover SIBO Testing?
Does Medicare Cover the Urolift Procedure?
Does Medicare Cover Xiafaxan?
Does Medicare Pay for Allergy Shots?
Does Your Medicare Plan Cover B12 Shots?
Does Your Plan Include A Free Gym Membership?
Everything About Your Medicare Card + Medicare Number
Fair Square Client Newsletter: AEP Edition
Finding the Best Vision Plans for Seniors
How Do Medigap Premiums Vary?
How Does the End of the COVID-19 Public Health Emergency Affect Your Medicare?
How is Medicare Changing in 2025?
How Medicare Costs Can Pile Up
How Much Does Medicare Part B Cost in 2025?
How Much Does Open Heart Surgery Cost with Medicare?
How Much Does Rexulti Cost with Medicare?
How Much Does Trelegy Cost with Medicare?
How Often Can I Change Medicare Plans?
How to Apply for Medicare?
How to Enroll in Social Security
Is Balloon Sinuplasty Covered by Medicare?
Is Botox Covered by Medicare?
Is Emsella Covered by Medicare?
Is PAE Covered by Medicare?
Is Vitrectomy Surgery Covered by Medicare?
Medicare & Ozempic
Medicare Explained
Medicare Savings Programs in Kansas
The Easiest Call You'll Ever Make
The Fair Square Bulletin: October 2023
What Are Medicare Part B Excess Charges?
What Does Medicare Cover for Stroke Patients?
What Happens to Unused Medicare Set-Aside Funds?
What To Do If Your Medicare Advantage Plan Is Discontinued
What's the Deal with Flex Cards?
What's the Difference Between HMO and PPO Plans?
Which Medigap Policies Provide Coverage for Long-Term Care?
Why You Should Keep Your Medigap Plan
Get the Fair Square Bulletin
Medicare savings tips, helpful guides, and more.
Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2025 Help Button Inc
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
MULTIPLAN_FairSquareMedicare_01062022_M