Home > Medicare 101 > Are you eligible for Medigap...
Medicare 101

Are you eligible for Medigap if you’re under 65?

Christian Worstell by Christian Worstell    |    Published Oct 03, 2019    |    Reviewed by John Krahnert

Medicare Supplement Insurance is available nationwide to Original Medicare beneficiaries 65 years old and older.

Although Medicare Supplement insurance (Medigap) is primarily for senior citizens, it does cover under-65 Medicare beneficiaries who are disabled or have end-stage renal disease (ESRD).

For Medicare beneficiaries who are at least 65 years old, access to a Medigap policy is guaranteed during their Medigap open enrollment period. However, beneficiaries under the age of 65 do not have the same protections nationwide. Instead, those protections are regulated at the state level.

Some states guarantee that applicants under 65 will have access to at least one Medigap plan, whereas other states do not.

States with mandated Medigap coverage options for those under 65

According to a report by the Kaiser Family Foundation, there are 30 states that require insurers to offer at least one Medigap plan to qualifying Medicare beneficiaries under 65.1 Certain states guarantee coverage options for those with ESRD, for those with a disability, or both.

These state requirements can have a big impact on Medigap applicants under 65. For example, if you live in California and have Medicare coverage due to ESRD, a Medigap insurance company is not legally required to offer you a Medigap plan.

The state only protects applicants under 65 with a qualifying disability.

The following chart details the states that legally require Medigap plans to those under 65, along with the health requirements to qualify.

States with guaranteed issue requirements for under-65 beneficiaries
Number State Disabled Beneficiaries Beneficiaries with ESRD
1 California  
2 Colorado
3 Connecticut
4 Delaware  
5 Florida
6 Georgia
7 Hawaii
8 Illinois
9 Kansas
10 Louisiana
11 Maine
12 Maryland
13 Massachusetts  
14 Michigan
15 Minnesota
16 Mississippi
17 Missouri
18 New Hampshire
19 New Jersey
20 New Mexico
21 New York
22 North Carolina
23 Oklahoma
24 Oregon
25 Pennsylvania
26 South Dakota
27 Tennessee
28 Texas
29 Vermont  
30 Wisconsin

The 30 states in the chart above have a guaranteed issue requirement, which means that insurance companies must offer at least one plan to qualifying applicants under the age of 65.

If applicants are under 65 and have Medicare Part A and Part B coverage, the insurance company must offer at least one Medigap plan to them in the qualifying states. Insurance companies are only required to offer one Medigap plan, but they are permitted to offer more options.

In addition to a guaranteed issue requirement, most of the 30 states above also have an open enrollment period requirement.

This is a period when Medicare beneficiaries under the age of 65 can enroll in a Medigap policy without having to go through medical underwriting. For policies obtained during this period, insurance companies cannot deny you coverage or force you to pay a higher premium due to any past or current health conditions.

If you qualify for Medicare and want to enroll in a Medigap plan, you should first check with your state insurance department to understand what rights you have.

1 https://kaiserfamilyfoundation.files.wordpress.com/2013/04/8412-2.pdf#page=24

Resource Center

What Is Medigap? | Medicare Supplement Insurance Definition

Medicare Supplement Insurance (Medigap) is private insurance that can help cover some of the costs that Original Medicare does not. Compare Medigap plans.

Read More

How Medicare Supplement Insurance Can Help You Save

Medicare Supplement Insurance (Medigap) plans offer basic benefits that cover certain out-of-pocket health insurance costs. Learn more and find the best plan.

Read More

Medicare Supplement Insurance Plan Options

Medicare Supplement Insurance (Medigap) can help pay for some of Medicare's out-of-pocket costs, including deductibles, copayments and coinsurance.

Read More

Is Humira Covered By Medicare?

Original Medicare does not cover prescription medication, including Humira. Learn how a Part D plan can help.

Read More

Medicare Supplement Insurance Plans | Medigap

A Medicare Supplement Insurance plan, also called Medigap, can help cover some of the costs Original Medicare doesn't, such as copays and deductibles.

Read More

Medicare Supplement Insurance Plan G

Learn about Medicare Supplement Insurance Plan G benefits and how they compare to other Medigap plans.

Read More

Medigap Plans Supplement Original Medicare Benefits

Medicare Supplement Insurance (Medigap) and Medicare Advantage serve two different purposes. Learn the differences in this guide.

Read More

Understanding Medicare Supplement Insurance

If you are enrolled in Original Medicare, a Medicare Supplement Insurance (Medigap) plan could save you money. Learn how.

Read More

Comparing Medicare Supplement Insurance Plans and Costs

Medicare Supplement Insurance plan costs will vary based on provider, location and your age. Learn more and compare free Medigap plan quotes.

Read More

Every 13 minutes, we help someone enroll in a plan.

Sign up for more information!

Enter your email address and get a free guide to Medicare and Medicare Supplement Insurance.

Sign Up Now