If you’re under 65 and living in California, finding the right Medicare plan can feel overwhelming — especially if you’re new to disability benefits. While Medicare is often associated with seniors, many younger individuals qualify due to disability, ESRD, or ALS. But here’s the catch: not all plans are created equal — and not every plan is offered in every California county.
At Skyline Benefit, a trusted California-based Medicare insurance broker, we find the Best Medicare Advantage Plans in California for Under 65 beneficiaries with robust coverage, added benefits, and no medical underwriting.
Who Qualifies for Medicare Under 65 in California?
You may be eligible for Medicare before age 65 if you:
- Receive Social Security Disability Insurance (SSDI) for at least 24 months
- Have End-Stage Renal Disease (ESRD) requiring dialysis or a kidney transplant
- Have been diagnosed with Amyotrophic Lateral Sclerosis (ALS) — Medicare starts immediately upon diagnosis
If you meet one of these criteria, you’re automatically enrolled in Original Medicare, but it’s often not enough — especially if you want dental, vision, hearing, or prescription drug coverage.
Why Choose Medicare Advantage Over Original Medicare?
In California, Medicare Advantage Plans (Part C) are often the best option for under 65 beneficiaries because:
- No medical underwriting — You won’t be denied due to health history
- Low or $0 premiums are available in many regions
- Added benefits: dental, vision, hearing, gym memberships, and transportation
- Prescription Drug Coverage is often included
- PPO options give you the freedom to choose providers
What Are Special Needs Plans (SNPs)?
Special Needs Plans are tailored for people with specific health conditions — like ESRD or dual eligibility (Medicare + Medi-Cal).
Benefits of SNPs:
- Coordinated care from a dedicated team
- Extra services like case management, meal delivery, or transportation
- $0 copays on some chronic medications
These plans are especially valuable for individuals with ongoing treatment needs.
Why Medigap Plans Usually Don’t Work If You’re Under 65
While Medicare Supplement (Medigap) plans are great for many over 65, in California, they’re not required to be offeredto individuals under 65 — and most insurance companies decline applications from people on SSDI. That’s why Medicare Advantage is usually the best path for younger beneficiaries.
When Can You Enroll in Medicare Under 65?
- Initial Enrollment Period (IEP): Begins 3 months before your 25th month of SSDI benefits and ends 3 months after.
- Annual Enrollment Period (AEP): Runs from October 15 to December 7, allowing you to enroll in or switch Medicare Advantage or Part D plans.
- Special Enrollment Period (SEP): If you lose existing coverage or experience a qualifying life event, you may enroll outside standard periods.
Added Benefits for Medicare Advantage Plans in California
Unlike Original Medicare (Part A & B), Medicare Advantage plans offer additional benefits, including:
- Prescription Drug Coverage (Part D) – Most Medicare Advantage plans include drug coverage.
- Dental, Vision, and Hearing – Many plans cover preventive and major services.
- Wellness Programs – Some plans offer gym memberships and preventive health incentives.
How Skyline Benefit Can Help You
At Skyline Benefit, we understand that choosing a Medicare plan under 65 can be confusing and stressful. Our team of licensed Medicare brokers is here to simplify the process and match you with the best plan for your needs and budget.
- Expert Guidance – We explain Medicare options in clear, simple terms.
- Personalized Recommendations – We find the best plans based on your healthcare and financial situation.
- No Extra Cost – Our services are 100% free to you.
Need Help Finding the Best Medicare Advantage Plans in California for Under 65?
Skyline Benefit is an Independent Medicare Advantage insurance broker in California specializing in affordable and flexible Medicare options. Our agent is here to help Medicare beneficiaries find the best Medicare Advantage Plans in California for under 65.
Schedule a consultation today. Call us at: (714) 888-5112