Ritter Insurance Marketing, Craig Ritter

Information on State Specific Laws Concerning Medicare Supplement (Medigap) Underwriting for those on Medicare Due to Disability (Under Age 65)

I’ve also been working on a webpage which will provide “State Specific” guidelines for agents who are asked about Medigap insurance for those who are on Medicare under the age of 65.  In many cases (I think Illinois is the notable exception), the insurance company will pay little to no commission to the agent, however, some states have regulations which require the Insurance Companies to accept people under 65 in certain cases.

Keep in mind, I’m talking about Medigap here, not Medicare Advantage.  Medicare Advantage treats those on Medicare due to disability the same as those over 65.  Not so with Medigap as the Federal Government provides no protections and leaves it up to the states to regulate this, if they wish.

There is an unbelievable diversity of experience on this blog, so if you are knowledgeable about your State’s guidelines, please double-check my list for me to ensure I have the correct information.  I’ve compiled this list from a number of different sources and I have a few states which I don’t know about.  If you have comments or Corrections, please leave comments below!  I’m hoping this could become a good resource for everybody!

Here is the direct link:  State by State Underwriting Rules for Medicare Supplement for those Under 65 on Disability.  To find the link from www.ritterim.com, mouse over Carrier Info, click on Med Supp and click on Learn about Medicare Supplement.  I’m trying to build an encylopedia of information on Medicare and Medigap here, but it’s mostly just a hobby for now!  As I have time I’ll add to it.  To get to the info on under age 65, you need to page down near the bottom.

Note:  There are 3 columns here.  Column 1 is for “underwritten requirements” (outside of Open Enrollment or Guaranteed Issue), Column 2 is for Open Enrollment (within 6 mos of Part B effective date) and Column 3 is for Guarantee Issue (example, losing coverage due to MA Plan dropping member, moving outside of MA plan’s service area, losing employer group coverage, etc.)

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  • http://www.ritterim.com Craig

    Here is a resource you can use to look up pricing for under 65 in North Carolina:


  • Nancy

    I mean the question below.

  • Nancy

    With reference to the question above, I am in NC.

  • Nancy


    Do you know a list of insurance company that offer medigap for people under 65 who is on SSDI?

    Thank you

  • Mike


    Have you had a chance to update this spread sheet?


  • Anonymous

    I will be 65 in six months. Do I have to enroll with medicare? Im curently being provided health service through the VA. Can I stop the government from taking money from my socurty check for medicare?

  • curtis eastridge

    i just need list of company in nc an there rates? also turn 65 in june had group coverge that ended in jan 2011.havent sing up for med care yet have 8 month from time group ended. how long do i have before i loose open enrollment for med supplement?

  • Joy

    Tennessee passed Senate bill 3164 on May 13, 2010. As of yet we don’t have premiums offered. Companies are stating they don’t know anything about this law.

    Insurers offering Medicare supplement policies and certificates in this state to persons sixty-five (65) years of age or older shall also offer Medicare supplement policies to persons in this state who are under sixty-five (65) years of age and eligible for and enrolled in Medicare by reason of disability or end stage renal disease. Except as otherwise provided in this section, all benefits, protections, policies, and procedures that apply to persons sixty-five (65) years of age or older shall also apply to persons that are eligible for and enrolled in Medicare by reason of
    disability or end stage renal disease.
    (2) Individuals who are under sixty-five (65) years of age and eligible for Medicare by reason of disability or end stage renal disease may enroll in a Medicare supplement policy at any time authorized or required by the federal government, or within six (6) months after:
    (A) Enrolling in Medicare Part B, or by January 1, 2011,
    whichever is later;
    (B) The date of the notice that such person has been
    retroactively enrolled in Medicare Part B due to a retroactive
    eligibility decision made by the Social Security Administration;
    (C) No longer having access to alternative forms of health
    insurance coverage such as accident and sickness policies,
    employer-sponsored group health coverage or Medicare
    Advantage plans due to termination or cancellation of such
    coverage because of the individual’s employment status, or an action by a health insurer or employer that is unrelated to the individual’s status, conduct or failure to pay premiums; or (D) Being involuntarily disenrolled from Title XIX (Medicaid) or Title XXI (State Children’s Health Insurance Program) of the Social Security Act.
    (3) Premium rates for Medicare supplement policies and
    certificates issued pursuant to this subsection (g) may differ between persons who qualify for Medicare who are sixty-five (65) years of age or older and those who qualify for Medicare by reason of disability or end stage renal disease and who are younger than sixty-five (65) years of
    age; provided, however, that such differences in premium rates are pursuant to rate schedules that are based on sound actuarial principles and are reasonable in relation to the benefits provided.


    I am 30 and on disability living in Florida. I have been informed that my Medicare will kick in sometime in July 2010. How can I get a medigap policy in Florida? Appreciate any help.

    • Michael Aleman

      Good day Preeya,

      If this will be your first time enrolling into Medicare, Florida recently passed the Alonzo Mourning Care To Act which mandates insurance companies to provide Medicare Supplements with the same rights provided to those first entering Medicare when they are 65 or older.

      You can contact me at maleman@turningpointassistance.com and I would be more than happy to discuss the various options you have.

      Mike Aleman
      Licensed Insurance Agent FL, VA

  • Mindi

    My husband is under 65 and on Medicare due to disability. We live in Idaho. His MA left our area and we were told by SHIP that he would be eligible to receive a medigap policy under that qualifing reason. The medigap company received our application, cashed our check (there by giving us a feeling of acceptance) and now has sent us a denial letter. Any help would be appreciated.

  • dan

    What Medagap options are available for under 65 Medicare beneficaries for Michigan residents? Am 58, healthy today, but concerned about some potential of a medical problem that could crop up before 65 (though nothing in sight now) that would bankrupt me with only SSDI and Medicare 20%. Lets say a $60,000 surgery, which is nothing today, and I’d be required to come uo with a minimum of $12,000.

    Just curious, thanks.

  • Jeff

    Florida just enacted new legislation in regard to under 65 (disability) Med Supps:

    http://www.flsenate.gov/Statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=Ch0627/SEC6741.HTM&Title=->2009->Ch0627->Section%206741#0627.6741ability) Med Supps, effective 10/01/09:


    There is open enrollment for new Medicare disability beneficiaries now, just like at age 65 and a special 6 month open enrollment period (until 04/01/10) for those who already have Medicare due to disability. The only problem that I see, (especially in south Florida) is the premiums are unaffordable to most (about 50% more than age 65 plans).

  • Kate

    Please help me in finding insurance companies in SC that has Medigap insurance for someone under 65 on SS Disability. Kate

  • Julie

    What is the easiest way of getting a list of all the insurance companies in Minnesota who are currently offering medigap policies to those under 65 and on Social Security Disability?

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