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FAQ: Underage Medicare Supplement?

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An agent from Milford, OH asks…

Q: Is there an open enrollment period to qualify for an underage Medicare supplement? That is, if an individual is on Medicare due to a disability, are they guaranteed issue for a supplement? I’ve heard both yes and no, but I can’t seem to find the real answer.

A: The reason you’re having difficulty finding a concrete answer about open enrollment periods or guarantee issue for underage Medicare supplement is probably because the federal government has no requirements which force Med supp companies to offer policies to underage beneficiaries. However, many states have added requirements to allow some people under age 65 to purchase Medicare supplement policies. You can view a table which outlines the different state regulations, or contact your local Medicare office for more information about underage Medicare recipients in the states in which you’re licensed.

If you would like to be considered for our Medicare FAQ expert panel to answer frequently asked questions, email associate editor Heather Trese.

Do you have a Medicare question that you would like answered? Email us and let us know! Please put “Medicare FAQ” in the subject line.


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