Medicare supplemental insurance for under 65

Check this
Florida Medicare Plans

You may get assistance from the Florida Commissioner of Insurance:
https://apps.fldfs.com/mcws/default.aspx

I am 30 years old and will be receiving Medicare disability benefits in July 2010. Which Medigap plans are available to me and which companies offer them? Which Insurance companies offer Medical Advantage plans? Thanks. P King

Hello guys , I have a medicare disability supplemet plan with the company I work for ( florida) please email me for more information ,anickooii@hotmail.com

Sunny1ib, I see that you are a health ins consultant in Sarasota. May I contact you personally for help with finding a Medicare supplement policy that covers under age 65 on SSDI? You can contact me at MrktTrakr@aol.com

The six month guarantee enrollment, however, has since passed. Mutual of Omaha, BCBS of FL, AARP/UHC plans are offering Medicare supplements to under 65 Medicare beneficiaries. You may be subject to individual underwriting. Hope this is helpful.

Hello
I need supplemental medicare coverage, am 62 and totally disabled with VA and never have used medicare in years I have had it. I get everything done through VA in Pensacola, so can you recommend basic coverage for me in case of emergency and someday I use medicar? Thnks, Ken

Theoretically speaking, if you have VA there should not be a reason to have Medicare coverage even though you are entitled to Medicare benefits. If you have 100% VA coverage now, the thought process goes you would be treated at your local/regional VA facility. In an emergency situation you would be sent to the closest medical facility (whether it is VA or not). The VA will pay in accordance to the benefit schedule. If you have a Medicare card and it shows that you have Part B, you very well may be paying a premium for that - this is financial aspect is something to consider especially if you are under financial constraints.

If you are a veteran with an apportionment, having Medicare benefits will then be a "must". If that is the case purchasing a Medicare supplement is not a bad idea. However, you will be subject to underwriting questions of the application. Depending on the carrier, if you answer "Yes" to any of the health questions, your application may very well be declined. From what little information you provided, it sounds like you have had benefits for a while and you would not be a candidate for a guarantee issue policy. When you turn 65, you will automatically be eligible for guarantee issue policy (no underwriting, the carrier must accept your application). You can also consider Medicare Advantage plans - but be cautious with these types of plans as these require network usage and you need to check to make sure you have a relatively strong network. These plans can also be a bit less of a strain on your finances in some ways.

As far as what plan? It depends on what your need levels are. Some who want some Part A (Hospitalization) benefits purchase the Medicare Supplement Plan B. Others want more comprehensive benefits so they will choose the plan in accordance to what they can afford. The most popular plans are Plans F (richest level of benefit), Plan G, Plan K (lower premium but higher out of pocket costs) and Plan N. Plan N have been pretty popular this past year as it provides a similar level of benefits as Plan F BUT you meet your Part B deductible and pay up to $20 in copays to see any doctor, $50 copay to use the emergency room (waived if you are admitted).

Hope this has been helpful!

Just a revision on the guarantee issue coverage in Florida: if you are an individual under the age of 65 and are awarded Social Security Disability benefits as well as entitled to Medicare, you will have a guarantee issue period. This law was revised back in October 2009. That is good news. The not so good news is that depending on the carrier, the monthly premiums can be higher than what one can afford.

Anyone looking for a medicare supplement plan under 65 can call me and I can help you find a plan in your state. I am an independent agent specializing in Medicare supplemental insurance plans.

http://medicaresupplementalplans.net