Supplemental Medicare policies and disabled and below 65 in California
The Medicare Supplemental Policies (Medigap) help you with the out-of-pocket costs you may have below Original Medicare (Part A and B), e.g. Co payments, co insurance and deductible. These policies, which are offered by private insurance companies, can also cover costs that Medicare does not usually cover, e.g. the first three pints of blood in a medical procedure and emergencies when you are not in the country. In terms of coverage of Medicare supplements, most states offer up to ten different types of policies. Each policy is labeled with a different letter of the alphabet and the services are standardized for each type of policy. Policies, costs and benefits may vary by location and state.
Whether or not you can qualify for additional Medicare insurance is more complicated if you have Original Medicare for the disabled. This is a general description of how Medicare supplemental policies work if you are disabled and below 65. Supplementary Medicare policies for the disabled and below 65 Get a 2019 quote at www.medicaresupplementplans2019.com for medicare supplement plans.
Private insurance companies that sell Medicare supplemental policies do not have to offer all types of policies. If you are below 65 and suffer from Medicare because of amyotrophic lateral sclerosis (ALS), a disability, or end-stage renal disease (ESRD), you may not have a Medicare supplement policy. In the case of Medicare supplemental policies for the disabled, which are less than 65 beneficiaries, state law typically varies from one state to another. Your state may decide that:
- Private insurance companies must sell at least one Medicare supplement policy to all beneficiaries below 65 years of age.
- Private insurance companies are only required to offer Medicare supplemental policies to beneficiaries below the age of 65 if they have end-stage renal disease.
- Private insurance companies must sell Medicare supplemental policies only to beneficiaries with disabilities (except ESRD).
- Private insurance companies do not have to offer Medicare supplemental policies to all beneficiaries below the age of 65, regardless of the reason they have Medicare.
If your state requires insurance companies to offer supplemental Medicare policies for the disabled and below 65 beneficiaries, you may have more options and may not be able to get the policy you want. You may have to undergo a medical underwriting and may have to pay more for the coverage. In general, it is best to sign up for a Medigap policy if you have a guaranteed issue right because you cannot be denied for health reasons.
Keep in mind that some companies may also voluntarily offer supplemental Medicare policies to younger beneficiaries even if their state does not require it. Go to Medicare.gov to find out if your Medicare status is offering Supplemental policies for people with disabilities below 65 who use Medicare. You can also contact your local health insurance program (SHIP) or your state’s insurance department for more information. Supplemental Medicare policies for the disabled, below 65 beneficiaries in California Private insurance companies are required to offer certain Medicare supplemental policies for disabled people below 65 years in California.