Are you on Medicare due to disability, and under the age of 65? Several states require Medigap insurance companies to offer a limited Medigap (Medicare supplement) open enrollment period for people with Medicare Part B who are under age 65. Medigap policies help pay for expenses not covered by Medicare, such a co-pays and deductibles. In most cases, you MUST enroll within 6 months of enrollment in Medicare Part B but check with your state just to be sure.
As of November 2014, the following states have this requirement:
California*
Connecticut
Delaware
Florida
Georgia
Hawaii
Illinois
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts*
Michigan
Minnesota
Mississippi
Missouri
Montana
New Hampshire
New Jersey
New York
North Carolina
Oklahoma
Oregon
Pennsylvania
South Dakota
Tennessee
Texas
Vermont
Wisconsin
* Medigap policies are not available in California, Massachusetts and Vermont for people under 65 who have end-stage renal disease (ESRD).
