Medicare Under 65 in Arkansas – You Can Get a Medicare Supplement

For the most part, if you’re in Arkansas, under 65, and have Medicare you can’t get a Medicare supplement.  However, if you are receiving disability benefits and Medicare hasn’t started yet, there may be a chance.

What you will discover here most agents will not tell you because they either don’t know about it or they’re not contracted with the specific company that allows it.

Why is this important to you?

After waiting for two years to finally have Medicare after receiving disability benefits most people only have two main options.

  1.  Medicare and a Stand-Alone Prescription Drug Plan or
  2. Medicare Advantage that Includes a Prescription Drug Plan

The third option is a Medicare Supplement, however, not everyone will be eligible.  The reason this is important to you, that is, if you are under 65 and will receive Medicare sometime in the future is Medicare Supplements allow you to have the freedom to choose any provider as long as they accept Medicare and you as a patient.  Medicare supplements, also known as Medigap plans, don’t have any deductibles, co-payments, or co-insurance with Plan C or Plan F.  If you have a lot of health issues this will also give you peace of mind knowing that you will not have any doctor bills because Medicare and the supplement plan will pay it for you.

Medicare Advantage Plans Work Differently

There is a big difference between Medicare Supplements and Medicare Advantage.  Medicare Advantage plans are part of Medicare, however, if and when you sign up for one, that insurance company will administer your Medicare benefits.  That means when you see a provider of medical services your claim gets filed with the insurance company and not your red, white, and blue Medicare card.  The Medicare Advantage plan becomes your primary insurance.  You will pay a fee for the service and the Medicare Advantage plan will pay the rest.

Medicare Advantage plans also have networks that you are required to use, therefore, limiting the number of choices you have.

Medicare supplement plans are secondary insurance plans to Medicare which means Medicare will pay the biggest part of the medical bills first and the supplement plan will pick up the remaining amount.  (Assuming you have a Plan C or F)

 

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