If you are under 65, you can get premium-free Medicare Part A benefits and Medicare Part B (monthly premium), 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.
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.
A majority of states make at least one Medicare Supplement (Medigap) policy available for those under age 65.
State-Specific Enrollment Information for Under Age 65 Applications
Except where noted, plans are guaranteed issue if applied for within six months of part B enrollment.
|State||Available Plans for Under Age 65|
|California||Plans A, B, F and J|
|Delaware||All plans available only for individuals on Medicare due to end-stage renal disease.|
|Illinois||All plans. Additionally, if you are on original Medicare due to a disability and are under the age 65, during this annual open enrollment period, you have the right to purchase a Medigap policy from Blue Cross Blue Shield, only.|
|Kentucky||All plans are available. No guaranteed issue - all applications are underwritten.|
|Maryland||Plans A and C|
|Minnesota||Basic and Extended Basic plans|
|North Carolina||Plan A|
|South Dakota||All plans|
|Wisconsin||Base policy and riders.|
Rates are sometimes much higher than for those after 65, and can vary greatly from state to state. If there is not an affordable Medicare Supplement plan available, you can also look into a Medicare Advantage plan. These plans do accept all Medicare beneficiaries unless they have End Stage Renal Disease (ESRD).
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.
The best way to review your options is to Contact Us, and one of our friendly advisors will be happy to help. 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.