There are more than 1.5 million Medicare beneficiaries in Georgia, according to the Kaiser Family Foundation (KFF). If you are below 65 in Georgia, you may have qualified for Medicare because of a disability. After realizing that Original Medicare does not have a maximum amount, you may have looked for Medicare supplemental plans. Medicare supplemental plans may be available for people below 65 and for people with disabilities in Georgia. These plans can help pay for Medicare expenses, such as co insurance, co pays and deductibles, and can reduce your Medicare expenses.
What do Medicare supplemental plans cover?
Medicare supplemental plans are labeled as A, B, C, D, F, G, K, L, M & N. The benefits vary from one plan to another. Plan A provides the most basic coverage while plan F the most complete benefits. All Medicare supplemental plans generally include:
- First three pints of blood (at least 50%)
- Medicare Part A Co-insurance and hospital costs up to 365 days after Medicare benefits
- Medicare Part A Hospice care or additional payment (at least 50%)
- Medicare Part B coinsurance or additional payment (at least 50%)
Very robust Medicare supplemental plans can also cover qualified service centers coverage, Part B excess charge, Part A deductibles, and even trips abroad up to the plan limits. Medigap plans usually do not include hearing aids, dental and vision care, ophthalmic lenses, or people who need care.
Can people with disabilities below the age of 65 buy supplemental Medicare plans from Georgia?
Supplementary Medicare plans are sold by private insurance companies under contract with Medicare. Under federal law, these private insurance companies cannot sell the Medicare Supplement to anyone below the age of 65 years. You must be at least 65 years of age in some states, to sign up for a Medicare supplement plan.
Fortunately, the state of Georgia provides Medicare supplemental plans for people below 65 and people withdisabilities. If however you are below 65 years, you might not receive aMedicare supplement plan which you envisage or you might have to pay extra thana person over 65. Insurance companies can generally charge more for Medicaresupplemental plans for people below 65 and people with disabilities.
How can I get more information about Medicare plans for people with disabilities below 65 years in Georgia?
Visit the Georgia Cares website or call the State Health Insurance Program (SHIP); Monday through Friday from 9:00 a.m. to 4:00 p.m. pm EST. If you cannot speak directly with a representative, you can leave a message and then you may call again.
You can also receive help to learn more about Medicare supplemental plans for people under 65 and disabled and other Medicare insurance options in your housing area.
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