Know Your Eligibility to Enroll in Medicare Supplement Plans

Medicare Supplement plans are health care plans sold by private health insurance organizations. However, in contrast to other private organizations, they have some eligibility criterion.

Eligibility in accordance with Original Medicare

Medicare Supplement Plans propose to work in accordance with Original Medicare (Part A and Part B). You must enroll in Medicare to be eligible for any supplement plan. Part A and Part B are accessible to all the U.S. citizens or permanent legal residents fulfilling following requirements, for a minimum of five years:

  1. Attaining age of 65 years or older.
  2. Diagnosed with ESRD- permanent kidney failure requiring dialysis or transplant.
  3. Availing any disability benefits either from the Railroad Retirement Board or Social Security Administration. However, only after 24 months of receiving the disability benefits, you can avail medicare facility.
  4. Diagnosed with ALS.

As part of the system, people get to enroll in Medicare Part A after turning 65 years of age. It offers a premium-free plan for the people, who have work experience of 10 years and paid their Medicare taxes. In most of the cases, people also enrolled by default in Part B with the policy of payment of monthly premium.

 Eligible Age to Avail Supplement Plan

The centralized law does not instruct insurance organizations to sell the plans to people who are under the age of 65. Although in some states, Supplement plans have the age as one of the eligibility criteria. This implies that one cannot avail the services until he/she is 65 years old, even if one has ESRD. However, many states instruct the organizations to provide one type of Medicare Supplement plans to people who are under the age 65.

Plan Eligibility for People under the Age of 65 Years

Many insurance organizations in some states offer Supplement plans to people under the age of 65 years, even without any instructions by the law. Although, the plans may cost higher than the plans are costing to people of 65 years or older. An insurance organization may also access the health conditions to make policy related decisions, which may result in an increase in premium subject to any case of existing health condition.

After enrolling in plans Part A and B, you can enroll in any Medicare Supplement plans. There will be no restriction of enrollment periods because of any other Medicare enrollment options.