Under Age 65 Medicare Supplement

Under-age 65 Medicare Supplement States:

If your state is not listed below, Under-Age 65 Medicare Supplement policies are not available.

California, Colorado, Connecticut (plan A only), Delaware, Florida, Georgia, Hawaii, Illinois, Kansas, Kentucky, Louisiana, Maine, Maryland (plans A & C), Massachusetts, Michigan (plan A & C only), Minnesota, Missouri, Mississippi, Montana, New Hampshire, New Jersey, North Carolina, Oklahoma (plan A only), Oregon, Pennsylvania, South Dakota, Tennessee, Texas (plan A only), Vermont, Wisconsin.

Medicare Supplement policies are only guaranteed enrollment during open enrollment and special enrollment periods.  Otherwise you must answer the health questions on the application.  And being on disability, this may be a difficult task.

Find out if you qualify for a Medicare Supplement?

** Very Important: (Click Here)  If you have been on Medicare for less than 6 months, you are still in the “Initial Enrollment Period,” which allows you to enroll in a Medicare Supplement … guaranteed.  As long as you are in a State which offers them to under age 65 members.  If you have been on Medicare A & B or longer than 6 months, you need to see if you qualify for any other “Guaranteed-Issue” period.  If not, you will most likely not be eligible for a new Medicare Supplement (Medigap) policy.

Do you qualify for “guarantee issue” with your Medicare Supplement enrollment?  If you are under age 65 and disabled, you may be eligible for a Medicare Supplement (Medigap) policy of your choice.  Medicare Supplement policies are purchased when an individual becomes eligible for Medicare Parts A and B.

Initial Open Enrollment Period … Once your Medicare “B” coverage starts, you have an Initial Open Enrollment period of six months, this is a “guaranteed-Issue” period where you have a guaranteed enrollment regardless of your current or previous health status.

You can purchase any Medicare Supplement policy from any company offering under age 65 Medigap plans in your state.  Also, be aware you have 3 months to enroll in a Medicare Part D plan, once your Medicare Part B starts.

Under-Age 65 with ESRD … If you are under age 65 and are now on Medicare because of ESRD (End Stage Renal Disease), many states will allow you to enroll in a Medicare Supplement plan, although Medicare Advantage companies will not.

If you have an employer health insurance plan or currently on a Medicare Advantage plan you may have opportunities for continued Medicare Advantage coverage.  Under-age 65 with Medicare and ESRD may work differently than a person 65 or over with Medicare and ESRD, depending on your state of residence.

If you do not qualify for a Medicare Supplement policy, be sure to compare your local Medicare Advantage PPO & HMO plans.

John Conner

Author: John

Medicare Options along with Individual and Group International Medical Insurance Options.