Can I Get Supplemental Insurance For Medicare If I Am Under 65?

Medicare supplemental insurance is an option that is made available to people who are on Medicare that helps them pay for the costs that Medicare does not cover. For those who are unaware, Medicare does not cover all medical costs, meaning that about half of the costs of health care need to be paid for by the patient themselves. This can become a burden, and supplemental insurance has been made available to correct this problem. Many people wonder if they can sign up for these plans if they are not yet 65 years of age.

Is Supplemental Insurance Available if you are not Yet 65?

The answer is yes. As long as you are on Medicare, you are eligible to sign up for supplemental insurance. You will need to sign up for it within six months in order to avoid medical screening. During this time, you can’t be denied and your prices can only be based on your age and your location. It doesn’t matter if you are on Medicare due to disability, renal disease, Lou Gehrig’s disease, or age. Whatever the reason, it is available. You only have to be enrolled in Medicare Part A and B, not D.

Choosing the Best Carrier

There are several different pricing schemes to choose from. Obviously the prices will vary depending on the carrier, but there are three different ways in which the carrier will determine your price. They can base it on your age as you grow older, your age when you sign up, and your location. If you are under the age of 65, there is a good chance that your best decision will be to pay based on your age when you sign up. A plan based on your age as your grow older might pay less up front, but if you lock in the low rate when you are younger you will be in a much better situation later on.

6 Responses to “Can I Get Supplemental Insurance For Medicare If I Am Under 65?”

  1. Nelda says:

    I turn 63 in 2 months but have been on medicare since April, 2008. How can I find out which companies offer supplemental policies to people under 65 and rates for these policies. I have AARP supplement now but would like to check around and compare policies and prices. Thanks for any answers you can give me.

  2. Alicia Spiegel says:

    I am a disabled 59 year old female. I have had Medicare since 11/2005. I have 7-8 doctors that I see on regular basis but cannot pay copay. The Social Security that I receive is not enough to cover all these doctor charges.
    I desperately need to find a supplemental insurance to Medicare.
    Thank you for your consideration in this matter.

    Alicia Spiegel

    • Have been on medicare for a few yers but have not been able to pay all doctor visits and med tests…am 63 yers of age and need advice on what I can get as a supplemental insurance.

  3. Andrew Wees says:

    This info is WRONG not all states require companies to sell Medicare supplements to people under 65.

  4. Able Baker says:

    The insurance companies actively lobbied your state officials so that they do not have to sell you a medicare supplemental policy until you are 63 plus. They don’t want to insure sick people, because they are greedy pigs who OWN your state officials. They own them outright, bought and paid for.

  5. terry says:

    Me&my wife is disabled at 55&54 we need a supplement ins are they any out there that we can buy to help us.