You may be able to purchase a Medicare supplement policy if you are below 65 and physically challenged in Connecticut. Medicare supplement if you are below 65 and physically challenged Connecticut. Normally, both Medicare and Medicare supplement drugs apply to people over 65. Some people are eligible for Medicare before age 65 because they have a disability. Therefore, if you are below 65 and disabled, you may be able to buy a Medicare supplement plan.
While not all states offer supplemental Medicare (Medigap) plans to Medicare beneficiaries below 65 and are disabled, Connecticut can do so. In general, persons who are beneficiaries of disability benefits from the Retirement Board of Railroad or Social Security Administration for 24 consecutive months are automatically enrolled in Medicare Part A and B. If this situation applies to you and you reside in Connecticut, you may be eligible to purchase a Medicare supplemental policy even when you are below 65 and disabled.
Why supplemental Medicare plan if I am below 65 and disabled?
A major benefit of Medicare supplemental insurance is that this plan can help pay for the services included in Medicare Part A and B. Some examples of these costs include deductibles, co insurance, co payments and hospital costs after you have used Medicare. Days and costs for qualified care facilities. Some supplemental Medicare plans may include emergency medical services when you travel abroad (80% for approved services, up to the limits of the plan). The benefits can be useful if you are below 65 and disabled.
What supplemental Medicare plans are available when I am below 65 and disabled in Connecticut?
If you are below 65, as a beneficiary of Medicare, you might be eligible for a 2020 Medicare supplement plan. In general, the 3 plans available in Connecticut, if you are less than 65 years of age and disabled are Medicare Supplemental Plan A, Plan B, or Plan C. All of these three types of Medicare Supplement Plans generally include “Basic benefits” for Medicare Services:
- Medicare Part A hospital co insurance and 365 day coverage for inpatient hospital care after you have exhausted Part A Hospitalization
- All of Medicare Part B coinsurance that’s not paid by Medicare
- First 3 pints of blood per transfusion per year
- Medicare Part A hospice co insurance
Medicare Supplemental Plan B can also cover the Medicare Part A deductible. Generally, Medicare Supplemental Plan C pays the skilled nursing facility co insurance, the Part B deductible, and emergency medical care during a trip abroad in addition to the deductible and the basic benefits of Medicare Part A. You must have Medicare Part A and B to qualify. If you are below 65 and have a disability, you may be wondering what the cost of Medicare supplemental plans is. In Connecticut, an insurer can’t generally charge for a Medicare supplement plan when the insurer pays a Medicare beneficiary who is at least 65 years of age just because they are disabled.