Medicare Supplement Plan through Disability Under 65


Medicare and disability

Can I Buy Medicare Supplement insurance if I received Medicare through disability and under 65?

Not all states are obligated by federal law to offer Medicare Supplement plans to under 65 years old indviduals even though they are eligible for Medicare through disbaility. Medicare Supplement carriers in certain states can deny issuing a supplement policy before age 65.

On the other hand, other states must offer and sell Medicare Supplement or Medigap policies to disabled benficiareis under 65. In these states insurance companies have to offer at least one type of Medicare Supplement plans. The cost however in this case is really high, for instance Blue Cross Blue Shield of IL rate of Plan G for medicare benificairy under 65 is the same rate as a benificairy at age 90. The cost of the plan could be more than $500 per month.

Here is a list of the states where insurance carriers must sell at least one type of Medicare supplement plan.


  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • 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

Where can I find Medicare Supplement plans and Rates?

You can request Medicare quotes here. Or fill the form below to receive multiple quotes from one of our licensed agents. Remember that you need to have both Parts A and B issued before signing up for a Medicare Supplement Plan. Your medicare supplement plan effective date can start on or after the effectice date of your Part A and B.

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Can I apply to Medicare Supplement Plan if I have ESRD?

If you receive medicare benefits due to ESRD (End Stage Renal Disease) then consider applying for a Medicare Advantage Plan. Effectice 2021, Medicare advantage plan started accepting individuals diagnosed with ESRD. You can not have Medicare Advantage plan with a Medicare Supplement Plan.

Click here to learn more about Medicare Advantage Plans or to find plans in your area.

Disability Benificiary and Medicare Coverage:

Everyone eligible for Social Security Disability Insurance (SSDI) benefits is also eligible for Medicare after a 24-month qualifying period. The first 24 months of disability benefit entitlement is the waiting period for Medicare coverage. During this qualifying period for Medicare, the beneficiary may be eligible for health insurance through a former employer. The employer should be contacted for information about health insurance coverage.

How months are counted?

Social Security Adminstration counts one month for each month of disability entitlement.

What happens to Medicare coverage if a beneficiary works?

A beneficiary may receive at least 93 months of hospital and medical insurance after the trial work period as long as she/he still has a disabling impairment. This provision allows health insurance to continue when a beneficiary goes to work and engages in substantial gainful activity. The beneficiary does not pay a premium for hospital insurance. Although cash benefits may cease, the beneficiary has the assurance of continued health insurance.

After premium-free Medicare coverage ends due to work, beneficiaries can purchase Medicare hospital and medical insurance if they continue to have a disability at the end of the 93-month period.

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Medicare Basics

Medicare Basics

What’s Medicare? Medicare is health insurance for people 65 or older, certain people under 65 with...

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