The rules for Medicare Supplements are a bit different for this group.
As you may know, Medicare Supplements are all standardized and are offered with different amounts of coverage,
lettered A,B,C,D,F,G,K,L,M & N.
In the state of Texas, if you are under the age of 65, and are eligible, you are entitled to purchase only
a Medicare Supplement Plan A. The coverage is limited, but it would cover days 61-90 in a hospital plus 365
Lifetime reserve days, as well as the first 3 pints of blood, and the 20% of doctors charges that Medicare does not
pay. It would also cover the 20% for blood and durable medical equipment. It does not offer the full
comprehensive coverage that most are looking for.
Many people on Medicare under the age of 65, decide on an alternative, a Medicare Advantage plan. Medicare
Advantage (Medicare Part C) is not a supplement (although many people believe it is). It is a Private Health
Plan with a contract with Medicare. They will provide all the coverage for you. They pay instead of Medicare.
There are many types of plans, PFFS (Private Fee For Service), HMO's, PPO's, SNP's (Special Needs Plans).
They are low cost, and many include the Part D (prescription) plan.There are no age restictions on these plans.
As long as you have Medicare Parts A&B, live in the service area, and do not have End Stage Renal Disease (in
most cases), you will qualify. They can be confusing, so it best to consult with a professional.
Once you turn 65, you are eligible for another "Open Enrollment" period, and you will be able to get any Medicare
Supplement (A,B,C,D,F,G,K,L,M or N) that you wish – guaranteed issue.
Please let me know if you have any further questions, or if I can be of any assistance. I am always available to
|David Hecker * 3010 Latonia St. Longview TX 75605
Licensed in Texas, Louisiana & Arkansas
Medicare Supplements for People Under Age 65 in Texas
Written by David Hecker
All information is kept strictly
confidential. Information is
the most accurate
information possible. It is
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* Not connected with or endorsed by the United States government or the federal Medicare program.