Can I Get Medicare Supplement if I’m Under 65 and Disabled in Connecticut?
This article was updated on: 09/16/2018
Yes, you might be able to buy a Medicare Supplement plan if you’re under 65 and disabled in Connecticut.
Medicare Supplement when you’re under 65 and disabled in Connecticut
Usually, both the federal Medicare program and Medicare Supplement insurance is for people aged 65 and over. Some people qualify for Medicare coverage before they turn 65 because of a disability. So, if you’re under 65 and disabled, you might be able to buy a Medicare Supplement plan.
While not all states offer Medicare Supplement (Medigap) plans to Medicare beneficiaries under 65 and disabled, Connecticut may do so. Generally, people who have received disability benefits from the Social Security Administration or the Railroad Retirement Board for 24 continuous months are automatically enrolled in Medicare Part A and Part B. If this situation applies to you, and you live in Connecticut, you are likely to be eligible to purchase a Medicare Supplement plan even though you are under 65 and disabled.
Why should I get a Medicare Supplement plan if I’m under 65 and disabled?
The main benefit of Medicare Supplement insurance is that this type of plan may help pay out-of-pocket costs for services covered under Medicare Part A and Part B. Examples of these costs include deductibles, coinsurance, copayments, hospital costs after you run out of Medicare-covered days, and skilled nursing facility costs. Some Medicare Supplement plans may cover emergency medical services when traveling abroad (at 80% for approved services, up to plan limits). These benefits may be useful if you’re under 65 and disabled.
Click here to find out more about Medicare Supplement plans.
Which Medicare Supplement plans are available if I’m under age 65 and disabled in Connecticut?
Even if you’re under 65, as a Medicare beneficiary, you might be able to purchase a Medicare Supplement plan. Generally the three plans available to you in Connecticut when you’re under 65 and disabled are Medicare Supplement Plan A, Plan B, or Plan C. All three of these Medicare Supplement plan types generally include “basic benefits” for Medicare covered services:
- Medicare Part A hospital coinsurance and 365 days of coverage for inpatient hospital care after you have exhausted the Part A inpatient hospital benefit
- 100% of the Medicare Part B coinsurance not paid by Medicare
- First 3 pints of blood for transfusions each year
- Medicare Part A hospice coinsurance
Medicare Supplement Plan B may also cover the Medicare Part A deductible. Medicare Supplement Plan C generally pays the skilled nursing facility coinsurance, Part B deductible, and emergency medical care while traveling abroad (80% up to the plan’s coverage limits) in addition to the Medicare Part A deductible and basic benefits. You must have Medicare Part A and Part B to qualify.
If you’re under 65 and disabled, you may be wondering about what Medicare Supplement plans may cost. In Connecticut, generally an insurer cannot charge you more for a Medicare Supplement plan than the insurer charges a Medicare beneficiary who is age 65 or older simply because you’re disabled. However, monthly premiums do vary based on the Medicare Supplement plan coverage you select. You can compare Medicare Supplement plans in Connecticut by clicking on the Find Plans or Compare Plans buttons on this page.
How do I get more information about Medicare Supplement plans for Medicare people under 65 and disabled?
For more information about Medicare Supplement plans or other state programs that may help you if you’re under 65 and disabled, contact the CHOICES program at your local Area Agency on Aging.
CHOICES is the designated State Health Insurance Program (SHIP). Information is free of charge. Services may include individual counseling by phone or in-person, application assistance if needed, and distribution of printed materials including applications for state and local benefits, as well as referral to other community counselors.
Whether you’re under 65 and disabled or not, 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 Find Plans or Compare Plans buttons on this page.
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