Illinois Health Insurance Practice Exam

Who is eligible for the Medicare Hospital Insurance Plan (Part A)?

1. Anyone with existing private insurance

2. For individuals aged 65 eligible for Social Security benefits

3. Only for those admitted through emergency services

4. Available only for veterans

The correct answer is: For individuals aged 65 eligible for Social Security benefits

The Medicare Hospital Insurance Plan, known as Part A, is primarily designed for individuals aged 65 and older who are eligible for Social Security benefits. This age threshold is significant because it aligns with the age when many individuals begin to retire and transition into Medicare coverage. Those who qualify for Social Security receive premium-free Part A after they have paid Medicare taxes while working for a certain period. It’s important to note that while those under 65 can be eligible for Part A if they have specific disabilities or conditions (like End-Stage Renal Disease or Amyotrophic Lateral Sclerosis), the primary group that Part A targets is indeed those who are at least 65 years old and have access to Social Security benefits. Other options do not accurately reflect the eligibility criteria. For instance, having existing private insurance doesn’t affect eligibility for Medicare Part A, nor is it limited to only those who have been admitted through emergency services. Additionally, veterans are not exclusively eligible for this plan, as Medicare is a federal program available to qualifying individuals regardless of their military status.