It’s possible to get a Medigap plan under age 65 if you are eligible for Medicare due to a disability or end-stage renal disease (permanent kidney failure requiring dialysis or a kidney transplant). However, not all plans may be available (or any at all) until you turn 65. Typically, you’ll find plans A, B, and C as available plans that can be purchased for under 65 Medicare recipients.
Federal law does not require carriers to sell Medigap plans to people under the age of 65. Some states may require a carrier to sell you one, even if you’re under 65, assuming you qualify. As of 2013, the following states required carriers to offer at least one kind of Medicare supplement plan to people under 65 who have Medicare:
* plans are not available to individuals with end-stage renal disease and are under age 65
** plans are only available to people with end-stage renal disease
Some carriers may voluntarily sell supplement plans to people under 65, even if the state doesn’t require it. It’s important to note, that they may feature higher premiums and require medical underwriting.
If you have Medicare and are enrolled in Medicare Part B, you’ll still get your six-month open enrollment period when you turn 65. At that time, you will have a wider range of plans to choose from and possibly secure a lower premium. During your open enrollment period, insurance companies can NOT refuse to sell you a Medigap plan due to health problems or charge you a higher premium than they charge for other people your age.
Original Medicare (Part A and/or Part B) is creditable coverage. If you have Medicare, are under 65, and have had it for more than 6 months before you turn 65, you may not be subject to a pre-existing condition waiting period.