What is Under 65 and Over 65 Insurance?

Under 65 insurance refers to health insurance options available to individuals who are not yet eligible for Medicare, typically including marketplace plans, employer-sponsored coverage, and private insurance. Over 65 insurance generally refers to Medicare and supplemental plans, such as Medigap or Medicare Advantage, designed for individuals aged 65 and older. Each category addresses different healthcare needs based on age, eligibility, and government guidelines.

Why Do You Need It?

Health insurance provides financial protection against high medical costs, ensuring access to essential healthcare services. Whether under or over 65, having the right insurance helps cover doctor visits, hospital stays, prescriptions, and preventive care. It also offers peace of mind, reducing out-of-pocket expenses and ensuring compliance with healthcare regulations.

Questions to Ask Your Agent

• What plans are available for my age group and health needs?

• How much will I pay monthly and what are the out-of-pocket costs?

• Are my doctors and medications covered?

• What is the difference between a Medicare Supplement and Medicare Advantage?

• How do plan changes or life events affect my coverage?