Medicare Supplement for Those Under 65 and Disabled in Delaware

Pamela Cannaday by Pamela Cannaday | Licensed since 2011
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This article was updated on: 09/16/2018

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Are you an under 65 Medicare beneficiary looking for help with out-of-pocket costs? You might be able to buy a Medicare Supplement plan for people under age 65 and disabled.

Medicare Supplement (Medigap) plans may help with certain out-of-pocket expenses you may have in Original Medicare, including copayments, coinsurance, and deductibles. These plans are available from private insurance companies, so plan types and costs may vary.  Medicare Supplement might interest you if you’re under 65 and disabled.

Most people become eligible for Medicare when they turn 65. If you’re a younger beneficiary, keep in mind that Medicare Supplement plans for disabled, under 65 individuals may be more limited. Here’s an overview of how Medicare Supplement works in Delaware if you’re under 65 and disabled.

Can people in Delaware under 65 and disabled buy Medicare Supplement plans?

If you’re a Medicare beneficiary in Delaware who’s under 65, chances are that you’re eligible for Original Medicare through disability or because you have certain health conditions; learn more about Medicare eligibility before you’re 65.

In Delaware, state law requires private insurance companies to offer the same Medicare Supplement plans for beneficiaries under 65 and disabled as they do for those over 65. However, keep in mind that in Delaware, insurance companies are allowed to charge higher premiums for Medicare Supplement plans for people under 65 and disabled. Delaware requires Medicare Supplement companies to use different pricing policies for beneficiaries who are under 65 and disabled or have end-stage renal disease.

Medicare Supplement plans for people under 65 and disabled in Delaware

Delaware offers a wide range of Medicare Supplement plans for people under 65 who qualify for Medicare (that is, generally both under 65 and disabled). There are up to 10 Medicare Supplement plan types available in most states, including Delaware. Each plan is labeled by a different letter (for example, Plan F), and benefits are standardized across each letter, regardless of the insurance company or where you live. However, as mentioned, costs may vary. So, if you’re looking for Medicare Supplement plans for people under 65 and disabled, it’s important to research different companies in your area, so you can find the best rate for the coverage you want.

See this benefits chart for more information on available Medicare Supplement plans for beneficiaries under age 65 and disabled.

When to enroll in Medicare Supplement plans for people under 65  and disabled

If you are looking for Medicare Supplement plans for people under 65 and disabled, you generally have a six-month time frame to enroll in a plan in Delaware. This enrollment period starts once you’re enrolled in Medicare Part A and Part B. However, insurance companies can use medical underwriting and base your premiums on your health status. So, Medicare Supplement plans for beneficiaries under 65 and disabled usually cost more.

Insurance companies must offer the same Medicare Supplement plans for customers under 65 and disabled as they do for those who are 65 or older. But you might pay less later on if you enroll in a Medicare Supplement plan during your Medigap Open Enrollment Period.

How to find Medicare Supplement plans for beneficiaries under 65 and disabled

If you’re looking for Medicare Supplement plans for people under 65 and disabled in Delaware, you can call the state’s toll-free hotline to reach the Delaware Medicare Assistance Bureau at 1-800-336-9500. The state website also has an online publication with more information on Medicare Supplement plans for disabled Delaware residents under 65.

Medicare.com is another great resource if you’re looking for Medicare Supplement plans for people under 65 and disabled. Click the links below to arrange a phone appointment or request an email from me with Medicare plan options. If you’d prefer to start looking now, simply click on the Compare Plans button to browse coverage choices in your zip code.

The product and service descriptions, if any, provided on these Medicare.com 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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