Medicare Benefits Under Age 65
In certain situations you can receive Medicare benefits under the age of 65. Below are a few ways you can be eligible for free Medicare Part A hospital insurance:
Many states have different laws on the rules that govern disability Medigap policies. These are the policies that supplement Parts A & B of Medicare. Please know that Part A of Medicare is free 99% of the time, but if it is not free for you it can be purchased if you are a U.S. Citizen or a lawfully admitted noncitizen who has lived in the United States for at least 5 years. Part B charges the Medicare recipient a premium that is taken out of their Social Security check unless you are not receiving one and in that case it is billed to you quarterly.
Some states like Mississippi require Medigap Insurance companies to sell their state approved Medigap policies to both over and under age 65 Medicare recipients. These laws benefit those under age 65 because it is very hard to get a policy if you cannot answer the health questions. The good news is that individuals who just got Medicare Part A & B in Mississippi are in their Open Enrollment Period, no matter how old they are. So if you are deemed to be in your Open Enrollment Period this means that you qualify for any Medigap policy that is offered in your state with no health questions. This is excellent news for someone who has serious health conditions.
Even though Mississippi has great laws for people under the age of 65 most other states are not as beneficial to the disabled under the age of 65. Most states only require their Medigap Insurance carriers to issue a Plan A to individuals that are under 65, and a lot of states still require that the individual answer the health questions. As you can see it would be very hard for some people to get supplementary insurance if they had to answer health questions.
If you're on Medicare and are having problems finding supplementary insurance or need help getting quotes on Medigap policies, call Medicare Insurance Finders and get a quote today.