Can I get a Medigap plan if I am under 65?

by Katie Banks+ on Sep 21, 2019 | 1 Comment

Share this article!

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.

Check our updated article on Under 65 Medigap State Rules!

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.

Learn More about Medicare Advantage Get a MA Quote

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.

Learn More about Medigap Get a Medigap Quote

Print Friendly Version

Share this article!

Reader Comments and Questions

By Ron on May 19, 2020

Can I get a medigap plan without getting overcharged?? im 64 and from kansas

Yes, you can. Kansas is one of the states that allows you to enroll in whichever Medigap plan you select and insurance companies cannot charge you more than normal. Check our article on under 65 Medigap rules to find out more.

Give us a call to get you enrolled at no additional cost.
-Michelle from

PLEASE NOTE: We cannot comment on specific Medicare claims. Contact Medicare directly if you are trying to see if your issue is covered.

We will not publish your last name or email if you submit this form.

Share this article!

It's 100% FREE to work with Senior65

Call our licensed agent today at 800-930-7956. Click here to learn 5 great reasons to work with