One of the most significant questions when it comes to Medicare health plans is will you be eligible to apply it even if you’re not 65 yet. Before discussing it, let us just get an overview of the Medicare supplement plans.
What are the Medicare supplement plans?
The real Part A and Part B of the Medicare supplement plans do not cover the cost of health services. It is for this reason, that a number of people shift towards the Medicare supplement plans. It is also termed as the Medigap. Mostly the private companies offer Medicare supplement plans. These Medicare supplement plans are preferred over the original ones since they help to cover what the normal plans cannot, coinsurance, yearly deductions and copayments. Therefore, it can essentially be said that Medicare supplement plans help to cover the costs which the normal ones cannot.
Can you apply for a Medicare health plan if you’re below the age of 65?
So now the big question is does the law permit you to purchase these plans? Technically, the federal doesn’t permit to sell Medicare supplement plans to the ones below the age of 65. However, it is required in some cases. If you aren’t sure about Medicare Health plan being available in your state or not, you can definitely contact Medicare.com to know the details. To check rates for Medigap plans in 2019 go to https://www.medicaresupplementplans2019.com/. The licensed agent will guide you through the procedures and will help you to become familiar with the rules within your state. Or, the better option would be contacting the insurance department.
The state may allow you Medicare Supplement plan in case you are suffering from amyotrophic lateral sclerosis (ALS) and end stage renal disease (ESRD) and own an Original Medicare. The option for purchasing policies may vary from place to place so you may check on it.
For a better knowledge, there are certain companies which let you buy the Medicare supplement plans even when they aren’t recommended by law. However, prior to purchasing any policy from these companies you should better be aware of the rules in the state’s law since these can either charge a bit more or even refuse to cover a few charges. To get proper information, you may as well talk with the State Health Insurance Assistance Program. The licensed agent on the other side of the call will guide you through the plan options and would even clear your doubts.
Thus, you can apply for Medicare Supplement Plans within your state if you suffer from severe diseases, even if you’re below the age of 65. It will cover up your charges.