UNDER 65 MEDICARE SUPPLEMENTS

Are you on Medicare due to disability, and under the age of 65?   Several states require Medigap insurance companies to offer a limited Medigap (Medicare supplement) open enrollment period for people with Medicare Part B who are under age 65.  Medigap policies help pay for expenses not covered by Medicare, such a co-pays and deductibles.  In most cases, you MUST enroll within 6 months of enrollment in Medicare Part B but check with your state just to be sure.

As of November 2014, the following states have this requirement:

California*

Connecticut

Delaware

Florida

Georgia

Hawaii

Illinois

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts*

Michigan

Minnesota

Mississippi

Missouri

Montana

New Hampshire

New Jersey

New York

North Carolina

Oklahoma

Oregon

Pennsylvania

South Dakota

Tennessee

Texas

Vermont

Wisconsin

* Medigap policies are not available in California, Massachusetts and Vermont for people under 65 who have end-stage renal disease (ESRD).

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