Can I Purchase A Medigap Plan Under 65?
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What Does Medigap Do?
What Are The Options?
- Part A deductible, coinsurance and/or copayment (includes skilled nursing and hospice), hospital costs (up to 365 days after benefits have been used up), initial three pints of blood for transfusions,
- Part B coinsurance, copayment, and excess charges
- 80% foreign travel emergency care
- Plan N doesn’t cover Part B excess charges
- Part B copay is set up to $20 per office visit and up to $50 per non-inpatient ER visit
How Do I Sign Up?
Once you’ve received disability benefits for at least 24 months, you’ll automatically be enrolled in Medicare. Automatic enrollment gives you Medicare Part A and Part B together (also known as Original Medicare).
If you’re receiving disability benefits, you get two Medigap Open Enrollment Periods. These are guaranteed issue, meaning you can’t be turned down. When you first sign up for Part A and Part B, you have six months to join a Medigap plan. Once this time has passed, you may be more likely to be turned down.
The second Medigap Open Enrollment period begins on the first day your Part B policy becomes effective (first day of the month of your 65th birthday) and ends six months later.
Signing up takes place through private insurance, so you will need to contact your insurer to begin the process.
We’re Here to Help. Call Us Today!
Proinsurance Hawaii is your number one source for Medigap coverage in Hawaii. We are devoted to providing you with the tools and resources you need to find a plan that works for you. To learn more about buying a Medigap plan in Hawaii, give us a call today!
