Medicare Supplement Plans for Disabled Under 65

Medicare Supplement Plans for Disabled Under 65

Eligibility for Medicare Supplement Plans for disabled under 65 depends on the state of residence.

Medigap plans are generally for people over the age of 65, and according to the federal law, insurance companies can refuse to sell Medigap policies to people under 65. Additionally, insurance companies can also charge higher Medigap premiums compared to Medigap premiums for people over age 65.

In some states, when you have Medicare under 65, you may not be allowed to buy a Medigap policy.

In other states, insurance companies are required to sell you a policy, even if you have Medicare under 65. These states entitle people under 65 for a Limited Medigap Open Enrollment Period, which occurs within 6 months after you’ve been enrolled in Part B. During this time you may purchase any available Medigap plan without Medical Underwriting. However, the list of available plans for people under 65 may be limited. The table below provides the relevant information for Medicare Supplement Plans for disabled under 65 for the states where Liberty Medicare offers its services.

Medicare Supplement Plans for disabled under 65  (State by State)

State Are plans Available for under 65? Plans for Age below 65 Premium for Age below 65
DE Yes All Plans About twice more expensive than for Age 65
IL Yes All Plans About twice more costly than for Age 65
MD Yes, but limited A, C Plan A: Slightly more expensive than for Age 65

Plan C: Much more expensive than for Age 65

NJ Yes, but limited A, C  (Ages 50-64) Plan A: Twice more costly than for Age 65

Plan C: The same as for Age 65

NY Yes All Plans Slightly more expensive than for Age 65
OH No N/A N/A
PA Yes All Plans The same as for Age 65
VA No N/A N/A

 

Outside of a Limited Medigap Open Enrollment Period, many Medigap vendors will NOT allow you to apply for a Medigap policy, but some will allow as long as you will pass their medical underwriting.

When you turn age 65, you’ll be entitled to the Medigap Open Enrollment Period. It will take place independently whether you’ve used for Limited Medigap Open Enrollment Period or not.

Let Liberty Medicare Help you to Select a Medicare Supplement Insurance Company

If you are looking for Medicare Supplement coverage, Liberty Medicare is here to assist you. We’ll help in all stages of comparing, selecting and enrolling in the best and most suitable Medicare Supplement Plan for you. Our services are offered at no cost to you.

Learn more about all the benefits of working with Liberty Medicare.

Give us a call at 877-657-7477, or Contact us with your Medicare Questions.