If you are under 65, you can be covered by Medicare if you have been a disabled beneficiary under Social Security or Railroad Retirement Board for more than twenty-four (24) months. You also qualify if you are disabled, over age 50, and a widow or widower. If you are receiving benefits for a disability that you have had since before you turned 22, you qualify as well.
Medicare will normally cover approximately 80% of your medical bills. However, Medicare by itself leaves some gaping holes in your coverage, so you'll want to also have a Medicare supplement plan, or a Medicare Advantage plan.
Once you have Medicare Part B, in most states you will have an open enrollment period of six months from the time your Part B coverage goes into effect, where you are guaranteed acceptance in a Medicare Supplement plan regardless of your current or previous health status.
Several states make at least one Medicare supplement (also known as "Medigap") policy available for those under age 65. Go here to see the Medicare supplement plan types available to those under age 65, by state.
If there is no Medicare supplement plan in your state (or you find them to be unaffordable), you can also look into a Medicare Advantage plan. These plans do accept all Medicare beneficiaries unless they have End Stage Renal Disease (ESRD). They are sponsored by Medicare, which pays private companies for providing the coverage, but you are limited to a specific network of doctors. Unlike Medicare by itself, these plans do have stop-losses that will prevent unlimited exposure to high medical expenses.
Once you turn 65 you will again have an open enrollment period for a Medicare Supplement plan. This may enable you to switch to a plan that is priced better or works better for your needs.
To view instant quotes, choose your state above. If you have any questions, Contact Us, and one of our friendly Personal Benefits Consultant will be happy to assist.
To learn more about Medicare, Medicare supplement coverage, and Medicare Advantage plans, order our special report - A Complete Guide for People with Disabilities.
Select your state below and click Continue to see rates and compare Medigap plans in your area.
"I did some research on supplemental policies on my own and felt that I had the facts I needed to make a purchase decision directly with one of the companies I had identified. To be certain I was considering all the factors involved, I decided to contact your organization through your website through an Internet search and was quickly contacted by Leslie Jablonski. During our consultation, two additional points came out that I did not know from my own investigation. As a result, I decided to coordinate my policy purchase with her. Leslie was professional and helpful and I would recommend her and your organization to others seeking advice on Medicare supplemental plans. Shopping with Medigap Advisors was an uncomplicated and very satisfactory experience."
Dick FitzGerald - Fremont, CA
Your Medicare Supplement Insurance Specialists!
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Disclaimer: Medigap Advisors is not connected with or endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week.