Are Medigap plans for people under 65 available in Arizona?
Medigap plans for people under 65 are not available in Arizona and 19 other states.
An article on kff.org looks at which states require insurance companies to sell Medigap plans to people under 65.
Medigap plans are also called Medicare supplements.
In Arizona person under 65 who is on Medicare because of a disability can buy a Part D drug plan, or she can enroll in a Medicare Advantage plan that includes a drug plan. Most Advantage plans in Arizona have $0 monthly premium – except in outlying counties like Mohave, Yavapai, and Cochise.
The Kaiser.org article says that studies have shown that per capita costs are similar for younger beneficiaries with disabilities and seniors when Part D spending is excluded.
The article goes on to say that younger Medicare beneficiaries do have higher drug costs – but those costs are covered under Medicare Part D and not Medigap plans.
The article concludes:
“In light of these data, it’s not clear what the justification is for treating younger adults with disabilities differently from older adults when it comes to buying a Medigap policy. Revising federal law related to Medigap open enrollment rights and protections could help to reduce the gap in Medigap coverage between younger and older beneficiaries, help alleviate cost-related access problems among the relatively small but vulnerable group of people under 65 who qualify for Medicare, and provide more equitable treatment to Medicare beneficiaries across the states.”
The full article can be found with this link: The Gap in Medigap