If you’ve qualified for Medicare because of a disability, you might feel both relief and worry. It is a relief to finally have health insurance, but feeling unsure about what comes next is also normal. Medicare covers many expenses, but not everything. Choosing a Medicare Supplement (or Medigap) plan is how you can better protect your health and money.

Below, this Supplemental insurance broker in Kouts, Indiana is going to explain everything you’ll need to know to make the best choice for your future.

How does Medicare work when you have a disability?

Many people are surprised to learn that one can qualify for Medicare before turning 65. A person might be eligible if they have received Social Security Disability Insurance (SSDI) for 24 months or if they have end-stage renal disease (ESRD) or ALS (Lou Gehrig’s disease).

Getting Medicare early can change your life for the better, as your insurance will cover your hospital stays, doctor visits, and medical equipment like wheelchairs or oxygen tanks. But even with Medicare, you still have out-of-pocket costs like deductibles, copayments, and coinsurance.

These costs can add up fast, especially if you have regular doctor visits, treatments, or medical needs. This is why a Medicare Supplement plan can be so important. A good plan can cover these extra costs and protect you from unanticipated medical bills. With the help of an experienced Medicare Supplement broker in Kouts, Indiana, you can find a plan that helps you feel more secure today and in the future.

What should you know about getting coverage before age 65?

Choosing a Medicare Supplement plan when you are under 65 is not always easy. This is because insurance companies are not required to sell Medicare Supplement plans to people under 65. Even if they do sell these plans to younger Medicare beneficiaries, the monthly costs can be much higher than for someone over 65 because younger people with disabilities tend to have more medical needs.

Where you live will also be a big factor. Some states, like Indiana, have protections for people under 65. However, other states do not require insurance companies to sell these plans to younger Medicare beneficiaries, and this can result in limited options and higher premiums.

An experienced Supplemental insurance broker in Kouts, Indiana can help you. They can tell you which insurance companies sell plans to people under 65 and even help you compare your choices to make sure you do not miss a good opportunity. Without a professional’s advice, it would be easy to miss out on good coverage or pay more than you should.

How to choose the best Medicare supplement plan for your needs?

When you are choosing a plan, think carefully about your health needs. How frequently do you go to the doctor? Do you have specialists you need to keep seeing? Do you expect your health needs to grow in the future?

A good Supplemental insurance broker can help you find plans that offer strong protection for both your present and future. For example, plans like Plan G and Plan N are very popular because they cover most of the costs that Medicare does not.

You also want a plan that does not lock you into a network. You should be able to see any doctor or visit any hospital that accepts Medicare, which is good if you already have trusted doctors or specialists that you want to keep seeing.

Consider the plan’s affordability too. A plan with a slightly higher monthly premium could save you thousands if you get sick or injured. Other plans have lower premiums but can leave you with more out-of-pocket costs in the future. You need to find a balance between what you pay each month and what you might save long-term.

When you turn 65, you will get a new Medicare Open Enrollment Period. At that time, you can switch plans without worrying about your health history. Start your planning early to make that transition easier.

Looking for a Supplemental Insurance Broker in Kouts, Indiana?

Are you looking for a reputable Supplemental insurance broker in Kouts, Indiana that can help you find a plan that’s right for your situation? If so, our team at Senior Care Insurance Services is just a call away. Contact us today to begin the process.