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.)
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.
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.
Regards,
Mike Aleman
Licensed Insurance Agent FL, VA
877-815-1689
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.
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.
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:
http://www.myfloridacfo.com/consumers/KnowledgeCenter/index.htm#Insurance/L_and_H/Medicare/Medicare_Supplement/Medicare_Supplement_-_Open_Enrollment.htm
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).
Please help me in finding insurance companies in SC that has Medigap insurance for someone under 65 on SS Disability. Kate
Kate:
Here is a link to the 2009 Medigap Shoppers Guide. http://doi.sc.gov/NR/rdonlyres/D53AFA0E-473D-41F4-9823-BDFC5642AB97/0/MedicareShoppersGuide.pdf
It appears that in SC, under age 65 can only purchase through the “Insurance Pool” (see page 6). You may want to contact the office of aging (phone number on page 8 ) to see if there are any other options, as these premiums look outrageous.
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?
Julie:
Here are two resources for you:
1. MN Guide to Medigap. http://www.state.mn.us/mn/externalDocs/Commerce/Medicare_Supplement_(Medigap)_013103114418_medsupdate1.pdf
2. Premium Guide for MN Medigap plans. http://www.state.mn.us/mn/externalDocs/Commerce/Medicare_Supplement_(Medigap)_013103114418_medsupdate1.pdf
MN state law requires insurers to offer Medigap for those in their open enrollment and those with Guarantee issue. There are no requirements (that I could see) which would require an insurer to offer an “underwritten plan”.
The last page of the #1 gives you some phone numbers for more info.
Hope this helps!