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Learn how to sign up for a Medicare Supplement plan if you qualify for Medicare due to a disability and meet other eligibility requirements.
Yes, you may be eligible to purchase a Medicare Supplement Insurance plan if you are under 65 and are enrolled in Medicare because of a disability.
Federal law does not require states to sell Medicare Supplement Insurance policies to people under 65, but certain state laws do.
If you are over 65, have Medicare Part B and sign up for Medigap during your Medigap open enrollment period, you are eligible to buy a Medigap plan regardless of disability. Read on to learn more about how to purchase Medigap with a disability.
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In 27 states, Medicare Supplement Insurance companies are required to sell policies to people under age 65 who receive Medicare benefits because of a qualifying disability or medical condition.
The following states require Medicare Supplement Insurance companies to sell at least one Medigap policy to Medicare beneficiaries under age 65 (see restrictions below):
*Excludes people under 65 with end-stage renal disease
**Only available to people under 65 with end-stage renal disease
You may still be able to purchase a Medigap policy under age 65 if you do not live in one of the states listed above. Private insurance companies in other states can opt to sell policies to people with disabilities under age 65, but they generally use medical underwriting to determine the cost of the policies, which can result in higher premiums.
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Medigap laws are different for people under 65, so you may still struggle to find the coverage you want even if you live in a state that sells policies to people under age 65. Below are some obstacles you may face if you are buying Medigap prior to turning 65.
If you are over age 65 and sign up for Medicare Supplement Insurance during your Medigap open enrollment period, insurance companies are required to sell you any policy they offer, regardless of disability.
Signing up during your open enrollment period (the six months after you are both 65 and enrolled in Medicare Part B) also prohibits insurance companies from charging you extra for your policy for having a pre-existing condition.
If you have a disability and sign up for Medicare Supplement Insurance outside of your open enrollment period, insurance companies can choose to deny your application or use medical underwriting to charge you more for your policy than people with good health.
If you already have a Medigap policy when you're under 65 and disabled, you may be able to get a better rate once you turn 65. That's because you'll be eligible for your Medigap open enrollment period.
Or call now to speak with a licensed insurance agent:
Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareSupplement.com. He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.
His work has been featured in outlets such as Vox, MSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.
Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.
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