Can I get a Medigap policy if I am under 65?
Asked by: Prof. Laura Monahan III | Last update: January 14, 2026Score: 4.3/5 (72 votes)
Can you be turned down for Medigap insurance?
Under current federal law, insurance companies that sell Medigap policies may refuse to sell a policy to an applicant with certain medical conditions, or who has had certain medical procedures or used specific prescription drugs, outside of open enrollment or a guaranteed issue period.
Is there an age limit for Medigap?
Federal law generally doesn't require insurance companies to sell Medigap policies to people under 65. However, in some states insurance companies do offer Medigap policies to people under 65. Check with your State Insurance Department about what rights you might have under state law.
What is the downside to Medigap plans?
There are a couple of cons to consider before choosing a Medigap plan: Premiums: Medigap premiums can be pricey. Coverage: Medicare Supplement plans don't cover everything, so you'd still have to pay out of pocket for things like dental care, vision care and long-term care.
Who is eligible for Medigap coverage?
To purchase Medicare Supplement Insurance (Medigap) you must be enrolled in Medicare Part A and Part B. Medicare Supplement Insurance provides coverage for gaps in medical costs not covered by Medicare. Medicare Supplement plans are standardized and offer various benefits to help offset your healthcare cost.
Medicare for People Under 65 | What You Should Know
Can you get a Medigap plan if you are under 65?
It depends on your state.
Some states allow anyone with Medicare under 65 to buy a Medigap policy. If you have ESRD or a disability, you may not be able to buy the Medigap policy you want, or any Medigap policy, until you turn 65. Federal law doesn't require companies to sell Medigap policies to people under 65.
Why is a plan G better than an advantage plan?
Medigap Plan G offers more comprehensive benefits than the Medicare Advantage plan and is more widely available. It also provides more freedom for enrollees. For example, a Medigap Plan G enrollee can visit a specialist without a referral.
Is Medigap being phased out?
For example, Medigap plans C and F will no longer be available to new Medicare recipients after January 1st, 2020.
Why do people choose Medigap over Medicare Advantage?
Under Advantage plans, the government pays insurers to provide all of the care under a private policy. Medigap also allows retirees to choose their doctors. Advantage plans operate like HMOs, which control the cost of care by requiring policyholders to stay within an approved network of providers.
Why is it not a good idea to have supplemental insurance?
One of the most significant drawbacks of supplemental insurance policies is the coverage limits. For instance, with Mechanical Repair Coverage, you'll typically need to pay out of pocket until your deductible is met on your primary policy before supplemental insurance takes over to cover a costly vehicle repair.
What is the 6 month rule for Medigap insurance?
You have the right to purchase a Medigap policy for 6 months if you move out of the area served by your Medigap plan. For example, if you bought a plan while living in another state that will not cover you in your current state, you have 6 months to replace that plan.
Why are people leaving Medicare Advantage plans?
Key takeaways: People leave Medicare Advantage plans because out-of-pocket costs vary between plans, network restrictions can cause frustration, prior authorization requests can delay care, and it can be difficult to use the additional benefits they provide.
Does AARP offer health insurance for people under 65?
If you are not a member, you can join AARP for just $20.00 a year. In some states, plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease.
What is the 6 month rule for Medicare?
You can sign up for Part A any time after you turn 65. Your Part A coverage starts 6 months back from when you sign up or when you apply for benefits from Social Security (or the Railroad Retirement Board). Coverage can't start earlier than the month you turned 65.
How long does it take for a Medigap policy to be approved?
Generally, Medigap policies begin the first of the month after you apply. But, if it's been 30 days and you didn't get your Medigap policy (like your Medigap card or proof of insurance), call your insurance company. If it's been 60 days and you didn't get your Medigap policy, call your State Insurance Department.
What 3 states allow year-round enrollment in Medigap?
- New York.
- Connecticut.
- Vermont.
- Washington.
- Oklahoma.
Why do doctors not like Medicare Advantage plans?
Across the country, provider grumbling about claim denials and onerous preapproval requirements by Advantage plans is crescendoing. Some hospitals and physician practices are so fed up they're refusing to accept the plans — even big ones like those offered by UnitedHealthcare and Humana.
How much does Medigap cost per month?
The average monthly Medigap premium across all current Medigap policyholders (including people under 65, people who smoke tobacco, and people who are in a high deductible or SELECT plan) was $217, ranging from $191 in Alaska to $267 in New York in 2023 (Figure 5, Appendix Table 4).
What is the best medicare plan that covers everything for seniors?
Original Medicare with Medigap likely offers the most comprehensive coverage, but it may also be the most costly. A person can consider their income and how much they are able to spend before choosing a Medicare plan. Original Medicare with Medigap also offers a lot of flexibility when choosing a doctor or specialist.
Do Medigap plans get more expensive with age?
Insurance companies set prices for Medigap policies in 1 of 3 ways: Attained-Age Rating — This is the most common way policies are priced in California. Attained age-rated policies increase in price as you age, because as you get older, you typically require more health care.
Why is Plan F discontinued?
Why is Medicare Plan F no longer an option for most people? In short, Medicare Plan F is being phased out because of the first dollar coverage that made it so popular. As federal lawmakers saw it, that kind of coverage has the potential to be overused at the expense of the Medicare program.
Which states have guaranteed issues for Medigap?
State laws can provide further protections, but only four states— Connecticut, Massachusetts, Maine, and New York—require either continuous or annual guaranteed issue protections for Medigap for all beneficiaries in traditional Medicare ages 65 and older, regardless of their medical history.
What plan G does not cover?
High deductible plan G does not cover the Medicare Part B deductible. However, high deductible F and G count your payment of the Medicare Part B deductible toward meeting the plan deductible. 2Plans K and L pay 100% of covered services for the rest of the calendar year once you meet the out-of-pocket yearly limit.
What is the biggest disadvantage of the Medicare Advantage plan?
Medicare Advantage Plan Pros And Cons
One disadvantage is that some Medicare Advantage plans may offer fewer options when it comes to doctors and hospitals, as they may have smaller plan networks than Original Medicare.
Can I drop my medicare advantage plan and go back to original Medicare?
Medicare Advantage Open Enrollment Period: Between January 1 and March 31 of each year, if you already have a Medicare Advantage Plan (with or without drug coverage) you can: Switch to another Medicare Advantage Plan (with or without drug coverage). Drop your Medicare Advantage Plan and return to Original Medicare.