If you’re under 65 and need Medicare, finding the right plan can feel overwhelming. Many assume Medicare is only for seniors, but individuals with disabilities or qualifying medical conditions may also be eligible. However, not all Medicare plans cater to younger beneficiaries, making it essential to choose wisely.
At Skyline Benefit, we specialize in helping individuals under 65 find the best Medicare plans that provide comprehensive coverage, affordable premiums, and essential benefits. Whether you qualify due to Social Security Disability Insurance (SSDI), End-Stage Renal Disease (ESRD), or Amyotrophic Lateral Sclerosis (ALS), this guide will help you explore your best options.
Who Qualifies for Medicare Under 65?
Not everyone under 65 qualifies for Medicare, but you may be eligible if you meet any of the following conditions:
- Social Security Disability Insurance (SSDI) – You’ve received SSDI for at least 24 months.
- End-Stage Renal Disease (ESRD) – You require dialysis or a kidney transplant.
- Amyotrophic Lateral Sclerosis (ALS) – Also known as Lou Gehrig’s disease, Medicare starts immediately after diagnosis.
If you qualify, your next step is selecting the best Medicare plan for under 65 beneficiaries with comprehensive coverage and essential benefits.
Best Medicare Plans for Under 65 Beneficiaries
Finding the right plan is crucial, as not all Medicare options offer the same benefits for younger individuals.
Medicare Advantage PPO Plans
Medicare Advantage PPO (Preferred Provider Organization) plans are a top choice for beneficiaries under 65 because they:
- Do not require medical underwriting – No health approvals or waiting periods.
- Offer flexibility – Visit both in-network and out-of-network providers.
- Include extra benefits – Many plans cover dental, vision, hearing, and fitness programs.
Special Needs Plans (SNPs)
Special Needs Plans (SNPs) are designed for individuals with specific medical conditions, such as ESRD. These plans provide:
- Coordinated care to help manage chronic conditions.
- Additional services like transportation, meal delivery, and case management.
Why Medicare Supplement Plans May Not Be Available
Most Medicare Supplement (Medigap) plans are not offered to beneficiaries under 65. Since insurers often decline applications from individuals with disabilities, Medicare Advantage PPO and SNPs are the best alternatives for younger enrollees.
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.
Extra Benefits for Medicare Beneficiaries Under 65
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 Plans 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 under 65 find affordable and flexible Medicare plans.
Schedule a consultation today. Call us at: (714) 888-5112