Can I Get Medicare Supplement if I’m Under 65 and Disabled in Colorado?

Last Updated : 09/16/20183 min read

Are you a Coloradan hoping to get a Medicare Supplement plan if you’re under 65 years old and disabled? Although this isn’t possible in many states, it might be possible in Colorado if you meet certain requirements.

Medicare Supplement if you’re under 65 and disabled in Colorado

Federal law generally doesn’t require insurance companies to offer Medicare Supplement plans to people under 65and disabled (who are Medicare beneficiaries).

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But some state laws require insurance companies to provide some type of Medicare Supplement plan. Colorado is one of these states.

You might be able to buy a Medicare Supplement (Medigap) plan if you’re under 65 and disabled. That is, you may be able to buy a Medicare Supplement plan in Colorado if you receive Medicare Part A (hospital insurance) and Part B (medical insurance) benefits because of a qualifying disability. Generally, people who have received disability benefits from the Social Security Administration or the Railroad Retirement Board for 24 months in a row are automatically enrolled in Part A and Part B.

If you meet these prerequisites, you may be eligible to purchase a Medicare Supplement plan if you are under 65 and disabled in Colorado.

Medicare Supplement plans are sold by private insurance companies and are designed to work alongside Medicare Part A and Part B to help you pay out-of-pocket costs. That is, Medicare Supplement plans may help pay Medicare deductibles and coinsurance or copayments.

What types of Medicare Supplement plans are available to people under 65 and disabled?

If have Medicare coverage before you turn 65 because you’re disabled, in Colorado you may have the same Medicare Supplement plan options available to you as for beneficiaries over 65.

In most states, insurance companies sell up to ten (10) standardized Medicare Supplement plans:  Plans A, B, C, D, F, G, K, L, M, and N. In Colorado, insurance companies may be required to make at least one of these plans available for you to buy, but might have more than one plan available. You might want to view the benefits of these standardized plans.

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Keep in mind several points as you compare Medicare Supplement plans:

  • Insurance companies providing Medicare Supplement plans may not offer all 10 plan types.
  • Your monthly plan premium can vary from one plan to another and one insurance company to another.
  • Medicare Supplement plans sold today do not include Medicare Part D prescription drug coverage. If you want prescription drug coverage, you can to enroll in a stand-alone Medicare Part D Prescription Drug Plan.

When can you buy a Medicare Supplement plan if you’re under 65 and disabled?

To find out when you can apply for a Medicare Supplement plan if you qualify through disability under age 65, you may want to contact Colorado’s State Health Insurance Assistance Program (SHIP).

Are you under 65 and disabled, and also a Medicare beneficiary? I am here to help you if you would like to learn more about Medicare Supplement plans and other Medicare coverage options available where you live.  Feel free to contact me.

  • We can set up a phone call if you follow one of the links below, or you can have me email you some information about Medicare plan options.
  • If you’d like to research your Medicare coverage options on your own, just click on the Compare Plans buttons on this page.

The product and service descriptions, if any, provided on these Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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