Medicare Supplemental Insurance Under 65
If you are about to be Medicare eligible due to a disease such as ALS (Lou Gehrig’s) or ESRD (end state renal disease) or due to a disability, then you should already be considering whether you need Medicare supplemental insurance. Under 65, insurance carriers in most states do not have to offer you a supplemental policy. In the states that do, they are still allowed to charge you higher rates based on your poor health. For Medicare supplemental insurance, under 65 year old Medicare recipients are by default, higher health risks – and in fact may be a riskier proposition for insurance carriers than seniors age 65 and up.
Even if your disability or disease is profound, it’s still worth a few minutes time to see if you can get Medicare supplemental insurance. Under 65 year old Medicare eligible people, particularly those with kidney failure or ALS will probably be quoted high rates for coverage because they know the benefits will be heavily used. However, if your disability does not require frequent hospital stays and doctor visits, you may be more likely to get affordable rates on Medicare supplemental insurance. Under 65 year old Medicare eligible people should approach Medicare in the same way over 65 year olds do – consider the cost vs. the benefits and how much usage you anticipate you will need from Medicare medical services.
When it comes to Medicare supplemental insurance, under 65 year old recipients are more likely to benefit from the financial assistance that supplemental insurance offers to Medicare recipients. Don’t assume that you can’t afford or don’t need the benefits of Medicare supplemental insurance. Under 65 year old Medicare recipients often have even less financial resources than retirees and need to watch every penny – so consider Medicare supplemental insurance. Under 65 or age 65 and older Medicare recipients should all be making full use of their Medicare benefits.
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Seniors that are currently covered under Medicare coverage are left with various out of pocket health care costs and Gaps in the Medicare program. Compare Medicare supplement Plans and get Medicare Supplement Quotes from all leading Medicare Supplemental Insurance Companies. Apply Online or Call us 1(888) 649-2016Categories: uncategorized