Medicare is available to persons over the age of 65 and to persons under 65 with disabilities and those who require dialysis or are awaiting a kidney transplant due to kidney failure. Those Medicare recipients over the age of 65 are eligible for Medicare Supplemental Insurance Plans.
Can I Get Supplemental Insurance for Medicare If I Am Under 65?
Whether Supplemental Insurance for Medicare is available to a person under the age of 65 depends on where he lives. Federal law does not mandate that a state offer Medigap insurance coverage to those under 65 who are receiving Medicare benefits.
Which States Offer Supplemental Insurance For Medicare If I Am Under 65?
However, several states require that insurance companies licensed in their state offer Medigap coverage to their citizens who are under 65 and qualify for Medicare through disability or kidney failure. Those states are California, Connecticut, Kansas, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Mississippi, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Oregon, Pennsylvania, South Dakota, Texas, Washington, and Wisconsin.
Are the Supplemental Insurance Plans the Same If Am Under 65 or Over 65?
In the states requiring insurance companies to offer Medicare Supplemental Insurance Plans to qualifying people who are under 65, the plans are limited in scope rather than the full range of selections for those who are over 65. The open enrollment period is limited as well. To be eligible for the Medigap plan the person must have Medicare Part B.
Does It Cost More for a Supplemental Insurance for Medicare If I Am Under 65?
Medicare Supplemental Insurance is available to people under the age of 65 who qualify for Medicare in 22 (twenty-two) states if they also have Medicare Part B. Insurance companies in the other states may offer Medigap coverage to those under 65 if they choose. However, in the states that mandate that insurance companies offer Medigap coverage to those who are under 65 the premiums are generally higher than for the older Medicare recipients and the coverage is far more limited.