Max, who has worked all his life for Ford motors, is now 65 years old. He has not yet retired. Max is eligible for:

Question

Options

• AMedicare Part A
• BMedicare Part B
• CBoth A and B
• DNone of the above

• A
  2% (1)
• B
  2% (1)
• C
  88% (36)
• D
  7% (3)

Explanation

Option C is correct because Medicare eligibility at age 65 is based on age, not retirement status - Max qualifies for both Part A and Part B simply by turning 65, regardless of whether he is still working. Part A (hospital insurance) is premium-free for Max because his lifetime of employment at Ford means he paid Medicare payroll taxes for well over the required 40 quarters. Part B (outpatient/medical insurance) is also available to him at 65; he may choose to delay enrollment if his employer coverage is sufficient, but he is still eligible.

• A alone is wrong because eligibility for Part A does not exclude Part B - both become available simultaneously at 65.
• B alone is wrong for the same reason; Part A eligibility accompanies Part B eligibility.
• D is wrong because continued employment never disqualifies someone from Medicare eligibility at 65.

Memory tip: Think "65 = Medicare, no matter what." Employment can affect your enrollment decision (you might delay Part B to avoid redundant premiums), but it never affects eligibility. If a question asks about eligibility at 65, the answer almost always includes both Parts A and B.

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