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Ms. Henderson believes

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Ms. Henderson believes that she will qualify for Medicare Coverage when she turns 65, without paying any premiums, because she has been working for 40 years and paying Medicare taxes. What should you tell her?

a. Medicare beneficiaries only pay a Part B premium if they are enrolled in a Medicare Advantage plan.
b. She is correct because she will be covered under Part A, without paying premiums and she has worked for 40 years so she will not have to pay Part B premiums.
c. She is correct that she will not have to pay a premium because State programs cover the cost of Part B premiums for all Medicare beneficiaries.
d. To obtain Part B coverage, she must pay a standard monthly premium, though it is higher for individuals with higher incomes.

d. To obtain Part B coverage, she must pay a standard monthly premium, though it is higher for individuals with higher incomes.