Home Resources Our blog Medicare Supplements Under 65
Medicare Supplement (Medigap)
Apr 28, 2022

Medicare Supplements Under 65

medicare disabled man at desk

Dear AMAC,

I am disabled and starting Medicare next month. After doing my research I decided that I want a Medicare Supplement Plan. But when I called another agency to get quotes, they told me there were no supplements available for people “my age” in my area. I am not yet sixty-five but thought that I still had the same options. Is this right?

-James (Salt Lake City, UT)

Hello James,

Once you have received disability benefits for at least 24 months, you are entitled to Original Medicare benefits. However, when it comes to a Medicare Supplement Plan, federal law does not require insurance companies to sell these policies to people who are under age 65. It does not have anything to do with why you are eligible for Medicare, but it does have to do with your age.

Now, some states may require Medicare Supplement carriers to offer you a policy, even if you are not sixty-five yet. In this case, you may wind up paying more for the same coverage or have limited plan options. Unfortunately, the state of Utah, where you reside, does not require Medicare Supplement carriers to offer plans to those on Medicare under sixty-five.

(The states that do not require Medicare Supplements to be sold to those under sixty-five are as follows: AL, AK, AZ, AR, ID, IN, IA, NE, NV, NM, ND, OH, RI, SC, UT, VA, WA, WV, and WY.)

But even if state and federal law do not require that Supplement plans be offered, some carriers may still choose to offer you a plan if you are under sixty-five. Again, the premium may be higher and plan options can be limited in this scenario. The good news, James, is that once you are closer to your 65th birthday you will be able to pick up a Supplement policy.

If you need help looking over other options available to you, please do give us a call, James. And thank you for contacting your Medicare Advisors here at AMAC!


Your Medicare Advisor

For help with Medicare plans – or any questions you may have about Medicare – contact AMAC’s Medicare Advisory Service at 1-855-611-4856 or request a quote below!

(Please note that we do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.)

Get a Quote Here!

Share this article:

Shop and compare Medicare Advantage plans now

Related Blog Articles
older couple on computer for medicare annula enrollment period
Enrollment Periods
// Nov 2, 2023

Which changes can I make during the Annual Enrollment Period?

If you watch TV or listen to the radio, you’ve certainly heard all the chatter abou...
Read more
american flag with thank you veterans sign
// Nov 11, 2023

Honoring our Veterans this Veteran’s Day

As Veteran’s Day approaches, we give thanks to the 19 million brave men and women w...
Read more
medicare drawing to make sense of medicare advantage plans
Medicare Advantage (Part C)
// Nov 16, 2023

Making sense of Medicare Advantage Plans

Original Medicare consists of two parts; Part A which is Hospital coverage, and Part ...
Read more
scammer phone call during open enrollment for medicare
Enrollment Periods
// Nov 30, 2023

Avoid Scams During Medicare Open Enrollment – and All Year!

As the annual Medicare open enrollment period draws to a close, there are still scamm...
Read more