In Virginia, approximately 15% of Medicare beneficiaries who are disabled or have qualifying chronic conditions are under the age 65.  Until recently, Medicare beneficiaries in Virginia who were under age 65 were not eligible to purchase Medicare supplement policies, which effectively limited the care (and the affordability of care) the individual could receive.

Fortunately, a new law was recently passed in Virginia that will now allow those who would otherwise qualify for Medicare benefits to be able to access supplemental plans even if they are under age 65.

Who Qualifies For Medicare Under Age 65

Medicare is available for certain people with disabilities who are under age 65. These individuals must have received Social Security Disability benefits for 24 months or have End Stage Renal Disease (ESRD) or Amyotropic Lateral Sclerosis (ALS, also known as Lou Gehrig’s disease).

What is a Medicare Supplement Plan?  

Medicare Supplement Insurance helps to fill in coverage gaps that Medicare does not pay for. These are private insurance policies that are administered by the state.

New Eligibility Guidelines

Under Virginia Code Section 38.2- 3610, if you are on Medicare before the age of 65 by reason of disability and you are enrolled in either part A or B, you are now eligible to purchase additional Medicare supplement policies.

When Can I Enroll?

 Because this is a relatively new law and coverage can vary depending on where you live in the Commonwealth, it’s best to speak with an insurance professional to learn your options for enrollment.

 

Original article: Virginia FINALLY allows Individuals with Disabilities to Receive Supplemental Medicare Coverage Before Age 65

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