- Federal Government has NO REQUIREMENTS which force Medicare Supplement Companies to Issue Policies to those Under age 65.
- Therefore, some states have added requirements to allow those under 65 on Medicare to purchase a Medigap Policy.
| State |
Underwritten |
Open Enrollment |
Guarantee Issue |
| Alabama |
No Requirements |
No Requirements |
No Requirements |
| Alaska |
No Requirements |
No Requirements |
No Requirements |
| Arizona |
No Requirements |
No Requirements |
No Requirements |
| Arkansas |
No Requirements |
No Requirements |
No Requirements |
| California (1) |
Disabled Individuals are covered by California's "equal or lesser than" rules |
Disabled Individuals are covered by California's "equal or lesser than" rules |
Disabled Individuals are covered by California's "equal or lesser than" rules |
| Colorado |
No Requirements |
All Plans |
A, B, C or F |
| Connecticut |
No Requirements |
A and B are always Guarantee Issue |
A and B are always Guarantee Issue |
| Delaware |
No Requirements |
Yes, New Reg adopted 1/16/09. See Note (2), below. |
Unknown if 1/16/09 Reg. applies to GI plans. |
| District of Columbia |
No Requirements |
No Requirements |
No Requirements |
Florida
|
No Requirements |
All Plans |
A, B, C or F |
| Georgia |
No Requirements |
No Requirements |
No Requirements |
| Hawaii |
Unknown |
Unknown |
Unknown |
| Idaho |
No Requirements |
No Requirements |
No Requirements |
| Illinois |
No Requirements |
All Plans (Including those notified retroactively of eligibility). Full Commission. |
A, B, C or F (Full Commission) |
| Indiana |
No Requirements |
No Requirements |
No Requirements |
| Iowa |
No Requirements |
No Requirements |
No Requirements |
| Kansas |
No Requirements |
All Plans |
A, B, C or F |
| Kentucky |
Plan A is always GI. |
Plan A is always GI. |
Plan A is always GI. |
| Louisana |
No Requirements |
All Plans |
A, B, C or F |
| Maine |
Maine's Continuity of Coverage Regulation applies, See Note 3, below. |
Maine's Continuity of Coverage Regulation applies, See Note 3, below. |
Maine's Continuity of Coverage Regulation applies, See Note 3, below. |
| Maryland |
No Requirements |
Plans A, C |
Plans A, C |
| Massachusetts |
Unknown |
Unknown |
Unknown |
| Michigan |
No Requirements |
No Requirements |
No Requirements |
| Minnesota |
No Requirements |
Basic and Ext Basic with Optional Riders |
Basic and Ext Basic with Optional Riders |
| Mississippi |
No Requirements |
All Plans |
A, B, C or F |
| Missouri |
Missouri has a "Like for Like" regulation, see Note 4, below. |
All Plans |
A, B, C or F |
| Montana |
No Requirements |
No Requirements |
No Requirements |
| Nebraska |
No Requirements |
No Requirements |
No Requirements |
| Nevada |
No Requirements |
No Requirements |
No Requirements |
| New Hampshire |
No Requirements |
All Plans |
A, B, C or F |
| New Jersey |
No Requirements |
Plan C (Age 50-64 only) |
Plan C (Age 50-64 only) |
| New York |
Unknown |
Unknown |
Unknown |
| New Mexico |
No Requirements |
No Requirements |
No Requirements |
| North Carolina |
No Requirements |
Plans A and C |
Plans A and C |
| North Dakota |
No Requirements |
No Requirements |
No Requirements |
| Ohio |
No Requirements |
No Requirements |
No Requirements |
| Oklahoma |
No Requirements |
Plan A |
Plan A |
| Oregon |
No Requirements |
All Plans |
A, B, C and F |
| Pennsylvania |
No Requirements |
All Plans |
A, B, C and F |
| Rhode Island |
No Requirements |
No Requirements |
No Requirements |
| South Caronlina |
No Requirements |
No Requirements |
No Requirements |
| South Dakota |
No Requirements |
All Plans |
A, B, C and F |
| Tennessee |
No Requirements |
All Plans |
A, C, and F |
| Texas |
No Requirements |
Plan A |
Plan A |
| Utah |
No Requirements |
No Requirements |
No Requirements |
| Vermont |
No Requirements |
All Plans |
A, B, C and F |
| Virginia |
No Requirements |
No Requirements |
No Requirements |
| Washington |
Unknown |
Unknown |
Unknown |
| West Virginia |
No Requirements |
No Requirements |
No Requirements |
| Wisconsin |
No Requirements |
Basic Plan with Optional Riders |
Basic Plan with Optional Riders |
| Wyoming |
No Requirements |
No Requirements |
No Requirements |
1. California Birthday Regulation
2. Delaware enacted a new regulation on 1/16/2009 requires Special Rates for Disabled and Special Rates for End State Renal Disease. For 6 months following enrollment in Part B, these populations would be considered Open Enrollment. In addition, those individuals already enrolled in Medicare Part B (due to Disability or ESRD) will be in Open Enrollment until June 12, 2009.
3. For Maine, there is a Continuity of Coverage provision that allows eligible applicants to be issued policies without underwriting if they had been covered under a policy that supplemented benefits under Medicare with no gap in coverage greater than 90 days beginning with the personís open enrollment period. The applicant must indicate in writing that he/she originally enrolled for a Medicare Supplement policy during an open enrollment period and that they have never had more than a 90-day gap in coverage. Any plan available for open enrollment and underwriting (over and under age 65) will be made available for those applying under Maine Continuity of Coverage.
4. In Missouri, a Medicare beneficiary who terminates coverage within 30 days of his/her annual policy anniversary date is eligible for a Guaranteed Issue policy of the same (like-for-like) plan. The applicant must provide proof of the previous coverage.