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Options for those Under 65 on Medicare

See our brochure for more information.

  1. Employer Plan

    If you are on Medicare by reason of disability, and either you or your spouse is actively working and covered by a large group health plan (of over 100 workers), the employer plan will provide your primary coverage and Medicare will be secondary.

  2. Medicare Savings Programs

    There are government programs in addition to Medicaid that help people with limited income and resources pay their Medicare costs.

    • QMB (Qualified Medicare Beneficiary) pays your monthly Medicare Part B premium and all of your deductibles and coinsurance.
    • SLMB (Specified Low-Income Medicare Beneficiary) pays your monthly Medicare Part B premium only.

    Contact your local Department of Health and Welfare to apply.

  3. Medicare Advantage Plans or Part D

    Go to the www.medicare.gov website.

  4. Medigap Insurance Policies

    Most companies do not write Medigap policies for those under 65 and there is not a state or federal requirement for them to do so.

  5. At Age 65

    Under federal law, you are guaranteed the Medigap plan of your choice.