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I live in a state that requires Medigap insurers to offer at least 1 plan to people under 65 who are disabled and on Medicare. DH's Supplemental plan costs $166.48/month.
What state is the Original Poster in? Medigap regulations for under-65 disableds vary by state and in some areas the policies are much more affordable than in others. There are a few states where the rates for <65 need to match the rates for age 65 policyholders.
I'm an under-65 disability and Medicare recipient. I have an Advantage plan (Humana, a PPO plan versus the more common HMO). I am charged the same as older Medicare recipients. There is no monthly extra fee for my particular plan, other than the Medicare B premium. I also get extra help from SS for my prescriptions. I just pay the copays for physician visits that are outlined in my plan. However, (as others on this board have stated in other threads), Advantage plans differ from state to state, and also seem be better in larger towns or cities, as doctor participation and quality can vary. I'm in Orlando so I have a decent amount of doctors and facilities to choose from.
Washington is a state that does not require companies to sell Medigap insurance to applicants below 65, so most companies do not sell to this age group. From what I can tell, the only ones that currently sell to under-65 are Premera Blue Cross and Colonial Penn. In this case, the good thing about Washington is that it requires premiums to be community rated, so they will not vary based on age or gender. If you are interested in Medigap be sure to apply during your initial Open Enrollment period so that you can qualify regardless of any health conditions that you may have.
I had Medicare disability insurance in my late 50s through now that I'm 65. At first I had a Medicare Advantage plan--not good for me because the non-covered co-pays were high and when I needed home injectable drugs neither Medicare nor the Med Advantage plan would cover them--I could not afford the $1000/mo copays and I'm still paying the collection co.! Also, many physicians do not take Med Advantage. I changed to a Medicare supplement which cost me $250/mo. Most states have only one or two insurance companies that offer supplements (medicaps) to disabled under 65. Part D for drugs is a separate issue.
I had Medicare disability insurance in my late 50s through now that I'm 65. At first I had a Medicare Advantage plan--not good for me because the non-covered co-pays were high and when I needed home injectable drugs neither Medicare nor the Med Advantage plan would cover them--I could not afford the $1000/mo copays and I'm still paying the collection co.! Also, many physicians do not take Med Advantage. I changed to a Medicare supplement which cost me $250/mo. Most states have only one or two insurance companies that offer supplements (medicaps) to disabled under 65. Part D for drugs is a separate issue.
If neither medicare or medicare advantage would pay for these "home injectable" drugs I'm not sure how you convinced a medicare supplement plan to pay for them
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