An individual can be under 65, on Social Security disability for 24 months and as of month 25 become eligible for Medicare. Because they will be newly eligible to Medicare Part A and B, the individual is a guaranteed issue onto a Medicare supplement or Medicare Advantage plan (as long as they don’t have end-stage renal disease). If the individual selects to go onto a Medicare Advantage/HMO plan as their initial election and in a year wants to switch to a Medicare supplement plan, the individual will have to go thru health history underwriting and will be declined by the insurance company. Because of the complexity of their medical conditions and/or not all of their physicians take Medicare, individuals in this situation typically select to go with a Medicare supplement (and stand-alone drug plan).
Everyone’s medical needs, physicians and financial requirements differ. It is important to select your plan coverage based on your specific needs and not those of your family or friends.