In our Medicare Minute series, you’ll get helpful answers to the most common Medicare questions in 60 seconds or less. Next up: Do I have to pay a premium for Medicare Parts A and B?

For Part A hospital insurance the answer is most often no. Once you turn 65, Part A is premium-free if you or your spouse worked for at least 10 years in a job where Medicare taxes were paid. You can also get Part A with no premiums if you already get retirement benefits from Social Security or the Railroad Retirement Board or you are eligible to receive these benefits but haven’t yet filed for them.

For Part B medical insurance, you’ll have to pay a premium each month. Generally, your Part B premium is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If not, Medicare will send you a bill every three months.

Whether or not you pay a premium, you’ll pay deductibles, copayments and coinsurance for both Part A and Part B.