Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A person who has 30-39 quarters of Medicare-covered work may still receive Part A coverage by:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Premium-free Part A requires 40 quarters of Medicare-covered employment. Individuals with 30-39 quarters may still enroll in Part A by paying a reduced monthly premium, while those with fewer than 30 quarters pay a higher Part A premium to buy the same coverage. The credit tiers — 40 quarters for free coverage, 30-39 for the reduced premium, and 0-29 for the higher premium — are a specific Medicare eligibility exam point. Waiting to age 70 does not cure a shortfall, and Medigap cannot create Part A coverage.
Why the other options are wrong
- B) Waiting does not cure insufficient credits; Part A is not automatic at 70 for those lacking the work record, so this option invents a benefit the program does not provide.
- C) The 30-39 tier pays a reduced premium, distinctly lower than the premium charged to those with 0-29 credits, so this answer wrongly equates the two tiers.
- D) Medigap supplements Original Medicare and requires Part A and Part B enrollment; it cannot itself provide Part A, so this option confuses a supplement with the base coverage.
Memory hook
40 credits = free Part A; 30-39 = reduced premium; 0-29 = higher premium. Count your quarters.