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I am under 65 and disabled and I am new to Medicare, what do I do?


Medicare is available for certain people with disabilities who are under age 65. These individuals must have received Social Security Disability benefits for 24 months or have End Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS, also known as Lou Gehrig’s disease) in order to receive Medicare Part A and Part B.

You may be eligible to purchase a Medicare Supplement Insurance plan if you are under 65 and are enrolled in Medicare because of a disability. Federal law does not require states to sell Medicare Supplement Insurance policies to people under 65, but certain state laws do.

  • Not all plans are available to individuals under 65 after the initial enrollment to Medicare.
  • Individuals under 65 may not have the same plan options as people 65 and older do.
  • Plan availability is state specific when it comes to people under 65.
  • Premiums could be higher than individuals 65 and older.
  • Enroll into a Medicare Supplement (Medigap) Plan to help cover the gaps in Original Medicare (add on a Part D)
  • Enroll into a Medicare Advantage Plan

Learn More: I am over 65 and I am new to Medicare, what do I do?

People Also Read: Do I need a Medicare Supplemental (Medigap) insurance plan with Medicare?

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Senior Healthcare Solutions, you truly stand out from most other insurance agents. Thank you so much for all of your help and I know that you will have nothing but success with how you conduct business.

Joan B.

Montgomery, AL

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