Medicare Supplement Insurance Under 65

Medicare Supplement Plans For Disabled 

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Medicare Supplement Insurance for People Under 65, Some states require the applicant to have a qualifying disability, some require the applicant to have ERSD, and some even require the applicant to have both. Currently, there are thirty states that require Medicare Supplement (Medigap) insurers to offer at least on Medicare Supplement plan.  Call 844-528-8688 to see if you qualify for  Medicare Supplement Insurance for People Under 65, or keep reading for details.

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Although the Federal Government oversees Original Medicare and Medicare Supplement Insurance programs for seniors age 65 and older, obtaining Medicare and Medicare Supplement Insurance if you are under 65 is controlled by the state you live in.

Generally, to be able to enroll in a Medicare Supplement plan when you're under 65, you must have an approved disability and/or end-stage renal disease (also known as ESRD). The plans available to you will depend on the requirements set forth in your state.

States that have Medicare Supplement Requirements for People Under 65

The chart below indicates which states have a Medicare Supplement (Medigap) requirement along with any additional restrictions:

State

Disabled

ESRD

California

X

Colorado

X

X

Connecticut

X

X

Delaware

X

Florida

X

X

Georgia

X

X

Hawaii

X

X

Illinois

X

X

Kansas

X

X

Louisiana

X

X

Maine

X

X

Maryland

X

X

Massachusetts

X

Michigan

X

X

Minnesota

X

X

Mississippi

X

X

Missouri

X

X

New Hampshire

X

X

New Jersey

X

X

New Mexico

X

X

New York

X

X

North Carolina

X

X

Oklahoma

X

X

Oregon

X

X

Pennsylvania

X

X

South Dakota

X

X

Tennessee

X

X

Texas

X

X

Vermont

X

X

Wisconsin

X

X

All of the states listed in the chart above have what is known as a guaranteed issue requirement. This requirement means that the insurers have to provide at least one Medicare Supplement plan to applicants who are under 65 and have a qualifying condition.

If an applicant who is under 65 and has Original Medicare Part A and Part B, the insurer has to offer at least one Medicare Supplement plan if the applicant has a qualifying condition but they are allowed to offer more than one if they choose to do so.

Medicare Supplement Open Enrollment Requirement Under 65 

Not only do the above-mentioned 30 states have a guaranteed issue requirement, but they also have an open enrollment period for enrolling in a Medicare Supplement plan. 

The Open Enrollment Period (OEP) is when Original Medicare beneficiaries who are under the age of 65 can easily enroll in a Medicare Supplement plan (Medigap) without being subject to medical underwriting. Individuals under the age of 65 that purchase Medicare Supplement plans during the Open Enrollment Period cannot be forced to pay a higher premium or be denied coverage because of any preexisting medical conditions.

 If you are qualified for Medicare Part A and Part B and decide you want a Medicare Supplement Plan, the first thing you should do is check with My Medicare Supplement Plan to make certain of the rights you have in the state where you live.

Rates for Medicare Supplement Plans when you are Under 65

So, you know you will qualify for a Medicare Supplement plan in your state because you are disabled, but how much more will you be charged? This is when you need to contact MyMedicareSupplementPlan to find out what kind of monthly premium you will be facing.

 For example, if you live in the Dallas area of Texas, the lowest amount you could expect to pay for Medicare Supplement Plan A is $395.50 per month when an applicant who is 65 or older would only be paying $92.50 per month. 

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Also, since you can expect to use your health insurance more frequently than someone who is not disabled or experiencing end-stage renal failure, your annual premiums are likely to go up significantly because of the claims you will be filing. The problem with this is if you change plans you will generally have to go through medical underwriting.

Supplemental Insurance for medicare disability under 65

From what we’ve found after dealing with Medicare Supplement customers under age 65, the better choice may likely be a Medicare Advantage Plan. Here are the reasons we recommend this:

  • Your state’s Medicare Advantage Plans are typically a better solution for applicants who are under age 65 with disabilities or ESRD because these Medicare Advantage plans charge the same rate to everyone in the plan regardless of gender or race. In fact, Medicare Advantage plans typically have very low rates without significant rate increases.
  • With a Medicare Advantage plan there is typically only one health question: Are you experiencing End Stage Renal Failure? So then, if your kidneys are not failing, you can generally qualify for this coverage, even if you have gone through other significant health issues.
  •  Although Medicare Supplement plans are more comprehensive than Medicare Advantage plans if you can't afford the premium, what difference does it really make?

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Medicare Supplement Plans for those who are Disabled and Under 65

You know that you may be able to get a Medicare Supplement plan when you’re under 65 but at renewal, you may not be able to afford it.

But, fortunately for you, it won’t be long until you turn 65 and have a second chance at buying Medicare Supplement insurance at the normal rate because of the new Open Enrollment Period that will be available to you. You’ll have access to all the plans available in your state and at a much more affordable price.

 Do you want a Medicare Supplement plan and you’re under 65? Or, have you found it challenging to obtain a Medicare Supplement plan with a disability or ESRD? Your next step should be to call 844-528-8688 or contact MyMedicareSupplementPlan and get the information you need to make an informed choice about your health insurance.