It is not required by federal law for insurance companies to sell Medigap policies to people under 65 years of age. Many states, however, have separate laws that require a Medigap option for Medicare-eligible individuals who are under 65. That means that under 65 individuals may or not be able to purchase a Medigap plan depending on which state you live in.
Some states require insurance companies to sell at least one Medigap policy for those who have not reached their age 65 initial enrollment yet but still qualify for Medicare. That’s the good news! The bad news is insurance companies often increase the cost of these under-65 Medigap options so that they are unaffordable. State’s like New Jersey require that they be fairly priced but most do not. Most of our clients under 65 select a Medicare Advantage plan as they do not have underwriting approval and are usually priced right.
Who can get Medicare plan when under 65?
You must always have Medicare Part A and Part B before you can apply for Medigap.
There are two kinds of situations where people under 65 can still get Medicare A and B:
- People with End Stage Renal Disease
- People who are permanently disabled
Check the Center for Medicare Services (CMS) to learn if you qualify based on your situation.
Enroll in Medigap with guaranteed issuance
Even if you qualify for Medicare when you were 50 you will still have a guaranteed option to purchase Medigap when you are 65. If you enroll during the 6 month period starting 3 months before you turn 65 and extending up to two months after the month of your birthday, you will be guaranteed to be approved by Medigap with no underwriting.
If you wish to enroll in a Medigap plan or have any questions contact us. We charge nothing for our services.