Medicare is a federal health insurance program that covers individuals, not families. It is typically available to people aged 65 or older, along with certain younger people who have disabilities. Unlike an employer-sponsored plan, which usually allows a spouse to be covered as a dependent on the other spouse’s policy, Medicare has no family coverage.
Because Medicare is individual coverage, an Illinois divorce court does not divide Medicare between spouses. In other words, a spouse does not receive the other spouse’s Medicare coverage as part of the marital estate. Likewise, a spouse does not lose Medicare coverage just because the marriage ends.
Medicare can still matter a great deal in an Illinois divorce.
A divorcing spouse may need to know whether Medicare will be available after the divorce, whether supplemental insurance is necessary, whether prescription drug coverage is in place, and how premiums and uncovered medical expenses will be paid.
Medicare may also impact maintenance, property division, retirement planning, and the need for temporary health insurance coverage while a divorce is pending.
What Is Medicare?
Medicare is not one single type of coverage. Medicare is made up of multiple parts.
Medicare Part A is hospital insurance. Part A provides “basic protection against the costs of hospital, related post-hospital, home health services, and hospice care.” 42 U.S.C. § 1395c. Part A benefits include payment for “inpatient hospital services, post-hospital extended care services, home health services, and hospice care.” 42 U.S.C. § 1395d(a).
Medicare Part B is supplementary medical insurance. Part B is “a voluntary insurance program to provide medical insurance benefits” for aged and disabled individuals who elect to enroll. 42 U.S.C. § 1395j. Part B benefits include payment for “medical and other health services.” 42 U.S.C. § 1395k(a).
Part A and Part B are known as Original Medicare. Federal law refers to the “original medicare fee-for-service program under parts A and B.” 42 U.S.C. § 1395w-21(a)(1)(A).
Medicare Part C is commonly known as Medicare Advantage. Congress established the “Medicare Advantage program” under Part C of Title XVIII. Pub. L. No. 108-173, § 201; 42 U.S.C. § 1395w-21. Medicare Advantage lets eligible individuals receive Medicare benefits through private plans rather than only through Original Medicare. See 42 U.S.C. § 1395w-21.
Medicare Part D is for prescription drug coverage. Part D eligible individuals may obtain “qualified prescription drug coverage through enrollment in a prescription drug plan.” 42 U.S.C. § 1395w-101(a)(1)(A). Part D coverage can also be provided through certain Medicare Advantage plans. 42 U.S.C. § 1395w-101(a)(1)(B).
If you have Original Medicare, you may also purchase Medicare Supplement Insurance, often referred to as Medigap. Medigap is “extra insurance you can buy from a private insurance company to help pay your share of out-of-pocket costs in Original Medicare, like copayments, coinsurance, and deductibles.” Medicare.gov, Get Medigap Basics. Federal law separately regulates “medicare supplemental policies.” 42 U.S.C. § 1395ss.
Medicare does not necessarily mean free health care. A spouse can have monthly premiums, copayments, coinsurance, deductibles, supplemental insurance costs, and prescription drug costs. Those expenses can become part of the financial reality that is addressed in an Illinois divorce.
Does Divorce Cancel Medicare In Illinois?
Medicare is not a marital asset and not a family insurance policy, so a divorce does not cancel it. Federal Medicare entitlement is based on the individual’s eligibility under federal law.
The Medicare entitlement statute provides that “[e]very individual” who has attained age 65 and meets the statutory requirements “shall be entitled to hospital insurance benefits under part A.” 42 U.S.C. § 426(a). The statute also gives Medicare entitlement rules for certain individuals under age 65 who have been entitled to disability benefits for the required period. 42 U.S.C. § 426(b).
So, one spouse is not “on” the other spouse’s Medicare in the same way a spouse may be covered under the other spouse’s employer-sponsored health insurance plan. An Illinois divorce court cannot award one spouse the other spouse’s Medicare coverage. Further, a divorce judgment cannot require Medicare to cover a former spouse as a dependent.
Where a spouse already has Medicare, that spouse usually keeps the Medicare coverage after the divorce. The divorce may affect that spouse’s expenses, ability to pay for health care, or income. However, the divorce does not transfer Medicare coverage from one spouse to the other.
Medicare Supplement Insurance is also regulated as individual coverage. Medicare.gov explains that “[a] Medigap policy only covers one person,” so spouses who want Medigap coverage must each buy their own policy. Medicare.gov, Learn How Medigap Works. Federal law separately regulates “medicare supplemental policies.” 42 U.S.C. § 1395ss.
A spouse may sometimes qualify for premium-free Medicare Part A based on a current or former spouse’s work history. This means the spouse’s work record may impact whether the other spouse qualifies for premium-free Part A.
Overall, the Medicare issue in an Illinois divorce is not whether Medicare continues. The issue is usually over how spouses will pay for Medicare premiums, supplemental coverage, deductibles, copayments, coinsurance, prescription drug coverage, and uncovered medical expenses after the divorce.
Can I Qualify For Medicare Through My Ex-Spouse?
To qualify for certain Medicare benefits, a divorced spouse may be able to use a former spouse’s work history. The former spouse’s work record can help decide whether the divorced spouse qualifies for premium-free Medicare Part A.
Federal Medicare law ties Part A entitlement for people age 65 and older to entitlement to monthly insurance benefits under 42 U.S.C. § 402. 42 U.S.C. § 426(a)(2)(A). Federal law defines divorced spouses for those benefits. A “divorced wife” must have been married to the individual “for a period of 10 years immediately before the date the divorce became effective.” 42 U.S.C. § 416(d)(1). Similarly, a “divorced husband” is a man who was married to the individual “for a period of 10 years immediately before the date the divorce became effective.” 42 U.S.C. § 416(d)(4).
This issue may be important in a case where one spouse did not work enough during the marriage to qualify for premium-free Medicare Part A based on his or her own employment history. To be eligible for premium-free Part A, “an individual must be entitled to receive Medicare based on their own earnings or those of a spouse, parent, or child.” Centers for Medicare & Medicaid Services, Original Medicare (Part A and B) Eligibility and Enrollment.
If you are a spouse who expects to qualify for Medicare through a former spouse’s work record, you should confirm that eligibility with Social Security before relying on it in a divorce settlement. An Illinois divorce judge does not determine whether a spouse is eligible for Medicare. Instead, that is a federal eligibility issue.
Medicare Is Not Marital Property In An Illinois Divorce
In an Illinois divorce case, Medicare coverage is not divided as marital property. It is not a bank account, home, vehicle, business interest, pension, retirement account, or other asset that can be valued and divided between spouses.
Illinois divorce courts divide property and debts. Under the Illinois Marriage and Dissolution of Marriage Act, “‘marital property’ means all property, including debts and other obligations, acquired by either spouse subsequent to the marriage,” except for property classified as non-marital. 750 ILCS 5/503(a).
The court must classify the parties’ property before dividing it. Section 503 states that “[t]he court shall make specific factual findings as to its classification of assets as marital or non-marital property, values, and other factual findings supporting its property award.” Id.
Medicare does not fit into that classification process like a marital asset. A court is unable to value one spouse’s Medicare coverage then award half of that coverage to the other. A court also cannot order Medicare to cover a former spouse as a dependent post-divorce.
However, none of this means that Medicare is completely irrelevant. Medicare may impact the financial issues in the divorce since age, health, insurance coverage, health care costs, and future medical needs can all affect the division of marital property.
Section 503 requires the court to divide marital property “without regard to marital misconduct in just proportions considering all relevant factors.” 750 ILCS 5/503(d). Those factors include “the age, health, station, occupation, amount and sources of income, vocational skills, employability, estate, liabilities, and needs of each of the parties.” 750 ILCS 5/503(d)(8).
Illinois cases have established that medical needs can matter when dividing property. In In re Marriage of Zweig, the husband was quadriplegic and had significant ongoing medical needs. 343 Ill. App. 3d 590, 594 (5th Dist. 2003). The appellate court stated that his hospitalizations were “almost completely covered by Medicare Complete,” but that his other medical expenses were covered only “at about 80%.” Id. It further noted that the wife was “not yet old enough for Medicare,” had private insurance, and paid monthly medical and prescription costs. Id.
The Zweig court affirmed the trial court’s consideration of future medical needs when dividing the marital estate. Id. at 600. The husband’s condition made him dependent on assistance for daily needs, so the appellate court found “no error in the trial court’s consideration” of life-care-plan evidence regarding what he would require in the future. Id.
Additionally, Zweig relied on In re Marriage of Murphy, where the appellate court explained that “the trial court may consider the pain, suffering[,] and disability of an injured spouse when making a division of property.” In re Marriage of Murphy, 259 Ill. App. 3d 336, 342-43 (1994), quoted in In re Marriage of Zweig, 343 Ill. App. 3d at 600-01. Murphy also recognized that “increased costs of living and medical expenses” that stemmed from the injury may be considered, as those future risks would be borne by the injured spouse alone. Id.
In sum, Medicare alone is not marital property. Yet, the financial reality around Medicare can prove to be important. A spouse’s Medicare premiums, supplemental insurance needs, out-of-pocket medical expenses, prescription drug costs, and future health care needs may influence how an Illinois court divides the marital estate.
Medicare Costs In An Illinois Divorce
A spouse with Medicare may have monthly premiums, deductibles, copayments, coinsurance, prescription drug expenses, supplemental insurance premiums, and uncovered medical costs.
For instance, the standard monthly premium for Medicare Part B enrollees is $202.90 in 2026. Centers for Medicare & Medicaid Services, 2026 Medicare Parts A & B Premiums and Deductibles.
The annual Part B deductible is $283. Id. Once that deductible is met, a beneficiary will “usually pay 20%” for each Medicare-covered service or item. Medicare.gov, What Does Medicare Cost?.
These may prove to be important costs in an Illinois divorce. The court is not just looking at whether a spouse has insurance. Sometimes, the court also considers what the insurance truly costs and what it does not cover.
Medicare Advantage, Part D, and Medigap costs may also vary. For example, Medicare Advantage plan premiums and other costs, such as deductibles and copayments vary by plan. Medicare.gov, Costs.
Prescription drug coverage may also be a separate expense. Medicare Part D plans are offered through private insurance companies, and premiums, deductibles, copayments, and covered drugs differ between plans. Medicare.gov’s 2026 cost publication lists the “2026 Part D national base premium” as $38.99; however, that figure does not necessarily equal the actual premium a particular spouse will pay. Medicare.gov, Fact Sheet: 2026 Medicare Costs.
Additionally, Medicare does not cover every health-related expense. Original Medicare doesn’t cover a lot of dental services, such as routine cleanings, tooth extractions, and fillings. Medicare.gov, What’s Not Covered? Medigap policies also typically do not cover vision, dental, hearing aids, prescription drugs, long-term care, or private-duty nursing. Medicare.gov, Your Coverage Options.
The existence of Medicare does not eliminate the importance of medical expenses and Illinois courts have recognized that. In In re Marriage of Zweig, the husband’s hospitalizations were “almost completely covered by Medicare Complete,” yet his other medical expenses were covered only “at about 80%.” 343 Ill. App. 3d at 594.
Overall, these figures show that Medicare coverage is neither free nor comprehensive. For that reason, an Illinois court weighing the parties’ financial circumstances must look beyond the simple fact of coverage and account for what that coverage actually costs and what it leaves unpaid.
Medicare And Maintenance In Illinois
Medicare costs may also be relevant to maintenance in an Illinois divorce. A spouse’s health insurance premiums and uncovered medical expenses can be part of that spouse’s monthly needs.
Under Illinois maintenance law, the court first decides whether maintenance is appropriate. Section 504 states that the court may award maintenance “as the court deems just” and must consider “all relevant factors.” 750 ILCS 5/504(a). Those factors include “the needs of each party,” the parties’ realistic present and future earning capacity, the standard of living established during the marriage, the duration of the marriage, and “the age, health, station, occupation, amount and sources of income, vocational skills, employability, estate, liabilities, and the needs of each of the parties.” 750 ILCS 5/504(a)(2), (3), (7), (8), (9).
The court must also consider “all sources of public and private income including, without limitation, disability and retirement income.” 750 ILCS 5/504(a)(10). That matters in a Medicare divorce issue, as a spouse may be living on maintenance, retirement benefits, disability income, Social Security, or some combination of those sources. Id.
Medicare premiums can reduce the income a spouse actually has available each month. In In re Marriage of Harms, the appellate court stated that Ruth, the respondent, had a Social Security benefit of $820.90 per month before her “$104.90 Medicare premium was deducted,” leaving her with an actual monthly payment of $716. 2018 IL App (5th) 160472, ¶ 11.
It further noted that Ruth testified her sole income was $1,300 per month in maintenance and her $716 Social Security check after the Medicare deduction. Id. ¶ 13. The appellate court affirmed the order increasing maintenance to $1,900 per month and found no abuse of discretion where the trial court considered the required statutory factors, Ruth’s reasonable monthly expenses, her age, her lack of realistic ability to become self-supporting, and David’s increased income. Id. ¶¶ 38, 44-46.
Harms is not saying that every Medicare premium justifies more maintenance. Still, it shows that courts look at the income a spouse actually receives after deductions when evaluating that spouse’s financial circumstances, which includes Medicare premiums.
Medical expenses and insurance costs can help show financial need, as well. In In re Marriage of Bolte, the wife suffered from myasthenia gravis, “a progressive, disabling disease that causes respiratory, circulatory and motor skill problems.” 2012 IL App (3d) 110791, ¶ 3. Her treating physician testified that she was “unable to maintain any kind of gainful employment” and that “her condition and symptoms would be ongoing for the rest of her life.” Id. ¶ 6.
Sue’s estimated monthly expenses were $3,431, “a significant portion of which is for out-of-pocket medical expenses and insurance.” Id. ¶ 32. Even including maintenance, “Sue’s monthly living expenses cannot be covered by her income.” Id.
Bolte is not a Medicare case, but it nonetheless demonstrates why insurance costs, reduced earning capacity, medical expenses, and disability matter in an Illinois maintenance analysis. A spouse with Medicare may still need maintenance.
Losing A Spouse’s Employer Health Insurance Before Medicare
In some cases, divorcing spouses do not have Medicare yet. Instead, one spouse may be covered as a dependent under the other spouse’s employer-sponsored health insurance plan. Once the divorce is finalized, that dependent-spouse coverage can end.
COBRA can allow a spouse to continue group health insurance coverage after divorce. Federal law states that the sponsor of each group health plan must provide that each “qualified beneficiary” who would lose coverage because of a qualifying event is entitled “to elect, within the election period, continuation coverage under the plan.” 29 U.S.C. § 1161(a). A spouse may be a qualified beneficiary if, on the day before the qualifying event, that spouse was covered “as the spouse of the covered employee.” 29 U.S.C. § 1167(3)(A)(i).
Divorce or legal separation can be a qualifying event. COBRA defines a “qualifying event” to include “[t]he divorce or legal separation of the covered employee from the employee’s spouse” if that event would otherwise result in loss of coverage for a qualified beneficiary. 29 U.S.C. § 1163(3).
The spouse seeking COBRA coverage should pay attention to notice deadlines. For divorce or legal separation, “each covered employee or qualified beneficiary is responsible for notifying the administrator” of the qualifying event “within 60 days after the date of the qualifying event.” Id.
COBRA may be important in cases where a spouse is close to Medicare age but is not eligible yet. For qualifying events that are not a reduction of hours, termination of employment, or certain bankruptcy proceedings, COBRA coverage usually extends until “36 months after the date of the qualifying event.” 29 U.S.C. § 1162(2)(A)(iv). The statute further identifies events that may end coverage earlier, such as coverage under another group health plan, Medicare entitlement after the COBRA election, or failure to timely pay premiums. 29 U.S.C. § 1162(2)(C), (D).
In Illinois, there is a spousal continuation statute for certain group health insurance policies. Section 367.2 of the Illinois Insurance Code requires covered group health policies to provide “for a continuation of the existing insurance benefits for an employee’s spouse and dependent children” when the marriage is dissolved by judgment. 215 ILCS 5/367.2(A). The spouse who seeks continuation coverage must give written notice “within 30 days of the entry of judgment.” 215 ILCS 5/367.2(B). If continuation coverage is not elected properly, the failure “shall terminate the continuation of benefits and the right to continuation.” 215 ILCS 5/367.2(C).
How long Illinois continuation coverage is depends on the former spouse’s age and circumstances. If a former spouse is under 55, continuation may end upon several events, such as remarriage, failure to pay premiums, coverage under another group health plan, or “the expiration of 2 years from the date continuation coverage began.” 215 ILCS 5/367.2(D). For certain spouses or former spouses who have reached age 55, coverage may continue for longer and may terminate when that spouse “reaches the qualifying age or otherwise establishes eligibility under the Medicare Program.” 215 ILCS 5/367.2(E). In that circumstance, Illinois continuation coverage may work as a bridge until Medicare eligibility.
A recent nonprecedential Illinois Rule 23 order demonstrates why divorce agreements should be clear about health insurance until Medicare begins. In In re Marriage of Kuhnert, the marital settlement agreement stated that “Monte shall maintain Kristie on his health insurance until she reaches age sixty-five and can receive Medicare.” 2026 IL App (5th) 250630-U, ¶ 6. The agreement also provided that Monte’s obligation would terminate once Kristie reached age 65 and obtained Medicare. Id. ¶ 18.
When Monte argued that he could not keep Kristie on his employer health insurance after divorce, the appellate court rejected that and held the agreement required Monte “to maintain Kristie on health insurance owned, and paid for, by him.” Id. ¶ 19. The court also found that “the intent of the parties was for Monte to continue to pay for Kristie’s health insurance until she reached the age of 65 and was eligible for Medicare.” Id. ¶ 20.
Because Kuhnert was filed under Illinois Supreme Court Rule 23, it is not precedential; although, it may be cited for persuasive purposes under Rule 23(e)(1). Nonetheless, it is also helpful, as it is a reminder that a divorce judgment must clearly state whether a spouse should maintain existing coverage, pay continuation premiums, reimburse private insurance costs, or provide comparable coverage until Medicare begins.
If you are a spouse nearing Medicare age, do not assume there will be no coverage gap after divorce. COBRA, Illinois continuation coverage, private insurance, Marketplace coverage, and Medicare enrollment dates should all be reviewed before the divorce judgment is entered.
Medicare Premiums, IRMAA, And Divorce
A higher-income Medicare recipient might pay more for Medicare Part B and Part D. For Part B, when an individual’s “modified adjusted gross income exceeds the threshold amount,” the monthly premium subsidy is reduced “and the monthly premium shall be increased.” 42 U.S.C. § 1395r(i)(1).
The regulation explains that “[t]he purpose of the income-related monthly adjustment amount is to reduce the Federal subsidy of the Medicare Part B program for beneficiaries with modified adjusted gross income above an established threshold.” 20 C.F.R. § 418.1005(a). Those beneficiaries “will pay a greater share of actual program costs.” Id.
Part D has a similar income-related increase. Federal law provides for an “income-related increase in the base beneficiary premium” for prescription drug coverage. 42 U.S.C. § 1395w-113(a)(7). Under the Part D regulations, persons above the income thresholds “will pay an income-related monthly adjustment amount in addition to the premium for their prescription drug coverage.” 20 C.F.R. § 418.2005(a).
Divorce can matter since IRMAA is based on income. Where divorce lowers a spouse’s household income, the spouse may be able to ask Social Security to use more recent income information. Social Security’s regulations identify certain events as “major life-changing events.” 20 C.F.R. § 418.1205. Those events include when “[y]our marriage ends through divorce or annulment.” 20 C.F.R. § 418.1205(c). The Part D regulations follow the same rules. 20 C.F.R. § 418.2205.
Social Security’s public guidance states the same thing, saying that “[i]f you’ve had a life-changing event that reduced your household income, you can ask to lower the additional amount you’ll pay for Medicare Part B and Part D.” Social Security Administration, Request To Lower An Income-Related Monthly Adjustment Amount (IRMAA). SSA specifically lists “divorce” as a life-changing event. Id.
Social Security Form SSA-44 also states that “[i]f you had a major life-changing event and your income has gone down, you may use this form to request a reduction in your income-related monthly adjustment amount.” Social Security Administration, Medicare Income-Related Monthly Adjustment Amount — Life-Changing Event, Form SSA-44.
A divorce judgment does not automatically lower IRMAA. Instead, Social Security makes that determination. However, a divorcing spouse who receives an IRMAA notice should be aware that divorce can be relevant if the divorce reduces that spouse’s income. The spouse might have to provide proof that the marriage ended, updated income information, and any required Social Security forms.
Finally, IRMAA should be considered when negotiating maintenance. A spouse’s Medicare cost may be more than the standard premium if that spouse’s income remains high enough to trigger Part B or Part D IRMAA. Conversely, if divorce reduces a spouse’s income, that spouse may be able to ask Social Security to lower the surcharge. Either way, Medicare premiums should be treated as real monthly expenses, not ignored simply because the spouse has Medicare.
The main point for Illinois spouses is that Medicare is individual federal coverage and not a marital asset or family health insurance. Divorce typically does not cancel a person’s own Medicare. However, Medicare may still affect the financial terms of an Illinois divorce. Premiums, supplemental coverage, prescription drug costs, COBRA or Illinois continuation coverage, IRMAA, and uncovered medical expenses may all matter when addressing maintenance, property division, and settlement terms.
Contact my Chicago, Illinois family law firm today to discuss how Medicare, health insurance costs, and medical expenses should be handled in your Illinois divorce. Russell D. Knight has practiced family law as a Chicago divorce lawyer since 2006 and represents clients in maintenance, property division, health insurance, and other Illinois family law matters.
CASES, STATUTES, AND OTHER SOURCES REFERENCED IN THE MEDICARE AND DIVORCE IN ILLINOIS ARTICLE
42 U.S.C. § 426 – Medicare Entitlement
42 U.S.C. § 416 – Definitions For Divorced Spouses Under Social Security Law
42 U.S.C. § 1395c – Medicare Part A Hospital Insurance
42 U.S.C. § 1395d – Scope Of Medicare Part A Benefits
42 U.S.C. § 1395j – Medicare Part B Supplementary Medical Insurance
42 U.S.C. § 1395k – Scope Of Medicare Part B Benefits
42 U.S.C. § 1395w-21 – Medicare Advantage
42 U.S.C. § 1395w-101 – Medicare Part D Prescription Drug Coverage
42 U.S.C. § 1395ss – Medicare Supplemental Policies
42 U.S.C. § 1395r – Medicare Part B Premiums And Income-Related Monthly Adjustment Amounts
42 U.S.C. § 1395w-113 – Medicare Part D Premiums And Income-Related Monthly Adjustment Amounts
20 C.F.R. § 418.1005 – Purpose Of Medicare Part B IRMAA
20 C.F.R. § 418.1205 – Major Life-Changing Events For Medicare Part B IRMAA
20 C.F.R. § 418.2005 – Medicare Part D IRMAA
20 C.F.R. § 418.2205 – Major Life-Changing Events For Medicare Part D IRMAA
29 U.S.C. § 1161 – COBRA Continuation Coverage
29 U.S.C. § 1162 – COBRA Duration And Termination Rules
29 U.S.C. § 1163 – COBRA Qualifying Events
29 U.S.C. § 1166 – COBRA Notice Requirements
29 U.S.C. § 1167 – COBRA Definitions
750 ILCS 5/503 – Disposition Of Property In An Illinois Divorce
750 ILCS 5/504 – Maintenance In An Illinois Divorce
215 ILCS 5/367.2 – Illinois Spousal Continuation Coverage
Illinois Supreme Court Rule 23 – Nonprecedential Appellate Orders
In re Marriage of Zweig, 343 Ill. App. 3d 590 (5th Dist. 2003)
In re Marriage of Murphy, 259 Ill. App. 3d 336 (4th Dist. 1994)
In re Marriage of Harms, 2018 IL App (5th) 160472
In re Marriage of Bolte, 2012 IL App (3d) 110791
In re Marriage of Kuhnert, 2026 IL App (5th) 250630-U
Centers for Medicare & Medicaid Services, 2026 Medicare Parts A & B Premiums and Deductibles
Medicare.gov, What Does Medicare Cost?
Medicare.gov, Get Medigap Basics
Medicare.gov, Learn How Medigap Works
Medicare.gov, What’s Not Covered By Original Medicare?
Medicare.gov, Fact Sheet: 2026 Medicare Costs
Social Security Administration, Request To Lower An Income-Related Monthly Adjustment Amount
Frequently Asked Questions About Medicare And Divorce In Illinois
Does divorce cancel my Medicare in Illinois? No, Medicare is individual federal health insurance, so you will not lose your own Medicare coverage simply because your marriage ends.
Can I stay on my spouse’s Medicare after divorce? No, Medicare does not provide family coverage, so you cannot stay on your spouse’s Medicare as a dependent after divorce.
Can I qualify for Medicare through my ex-spouse’s work history? You sometimes can. A divorced spouse may be able to use a former spouse’s work history to qualify for premium-free Medicare Part A, but the federal eligibility requirements must be met.
Is Medicare divided as marital property in an Illinois divorce? No, an Illinois court cannot value, divide, or award Medicare to another spouse; it is not a marital asset.
Can Medicare costs affect maintenance in Illinois? Yes, Medicare premiums, supplemental insurance, prescription drug costs, and uncovered medical expenses may be part of a spouse’s monthly financial needs when maintenance is being considered by a court.
