Has anyone here gotten married after getting Medicare? What happened?
I’m 27, and I receive Medicare based on disability. I’ve called the Medicare office, and they gave me a non-answer.
Unless your partner is also DAC, you’ll lose Medicare. I’m 30 and would have married my partner by now if it wasn’t for that rule.
Ode said:
Unless your partner is also DAC, you’ll lose Medicare. I’m 30 and would have married my partner by now if it wasn’t for that rule.
Yep. Unfortunately, it would take amending the Social Security Act to change this, and it’s not really that high on the list for Congress. ABLE expansion was an exception.
Can’t answer your question without knowing more of your circumstances. For one thing, I have no idea how you’re getting your Medicare. Is it via SSDI? SSDI DAC? 65+ on your own record? 65+ on someone else’s record?
There’s no way for anyone to answer your question without these relevant info.
@Tatum
They said they are 27, so definitely not 65+ aged.
Van said:
@Tatum
They said they are 27, so definitely not 65+ aged.
Then it’ll depend on if they’re getting Medicare through SSDI DAC or SSDI on their own working record, and, if on SSDI DAC, whether they have enough work credits for their own SSDI benefit.
@Tatum
SSI and no working credits.
If you’re on SSI, it means that you’re getting Medicare through SSDI DAC. You’ll lose both SSDI DAC and Medicare when you get married, because you have no work credits. The only way for a married DAC to maintain Medicare is if they have enough work credits for their own SSDI benefit, which is age-dependent.
You also need to be aware that you might lose SSI (and SSI Medicaid) as well because you’ll need to satisfy the married couple income and resource limit now.
@Tatum
Thanks for your in-depth response. I appreciate it.
Are you on Medicare or Medicaid? Do you get DAC SSDI (do you have a parent who is deceased, retired, or on disability)?
Getting married or changing your name won’t affect your Medicare coverage.
Madden said:
Getting married or changing your name won’t affect your Medicare coverage.
Not necessarily. It really depends on the circumstances.
Madden said:
Getting married or changing your name won’t affect your Medicare coverage.
Not necessarily. It really depends on the circumstances.
No, your marital status doesn’t affect Medicare coverage. Medicare is an individual program, so whether you’re single, married, divorced, or widowed, your coverage remains the same. However, a spouse’s work history can sometimes help qualify for premium-free Part A (hospital insurance) if one hasn’t worked enough.
Unlike Medicare, Medicaid eligibility can be affected by marital status because it is a need-based program that takes household income and size into account. Once you get married, your spouse’s income will be considered when determining whether one qualifies for Medicaid. This could potentially increase household income and impact eligibility, depending on the state’s income limits for Medicaid.
So, while marriage doesn’t affect Medicare, it might influence Medicaid eligibility.
@Madden
Wrong. If you’re getting Medicare via SSDI DAC, and you don’t have enough work record for your own SSDI, you lose both SSDI DAC and Medicare when you marry.
In addition, if you don’t have any work record, and you’re getting 65+ Medicare through a spouse, you’ll lose both spousal benefits and premium-free Part A if you divorce and remarry someone that doesn’t have enough work credits or is younger than 62.
Again, it all depends on the actual circumstances.
@Tatum
This is the correct answer, and I have seen this exact situation play out several times.