I turn 65 in January 2027, have disability Medicare with an ESKD C-SNP in Indiana (47331), and am awaiting a kidney transplant. I need coverage for out-of-pocket costs and post-transplant medications, including immunosuppressants, plus an O+ or O- kidney donor.
Answered by 4 licensed agents
Turning 65 is your golden opportunity to get the best coverage available through a Medicare Supplement Plan G without any medical underwriting. (Your health problems won’t keep you from getting the best plan available at the preferred rate!) Enrollment is available now for a supplement. You can also enroll in any drug plan that will cover the medications you need; however, you can also get your provider to write a pre-authorization letter if necessary for drugs Medicare may not initially cover. You can enroll in your drug plan 90 days before your 65th birthday. A qualified Medicare agent can help you with the options, enrollment process, timing, and may even help you with future plan changes. Call me if you need someone in your corner!
It sounds like you may want to consider a Medicare supplement since you will be turning 65 you can get onto a supplement without medical underwriting. The other option would be to get a hospital indemnity plan that can help cover out of pocket costs.
It's not clear what your actual question is, but it's impossible to give you a completely detailed answer, give the number of variables you've provided. What I can tell you is that, once you turn 65 your Medicare will continue as it is now. However, your C-SNP implied Medicaid coverage, and that will evolve into the post-65 version. Whether your C-SNP will still be compatible will depend on the C-SNP, itself. Something you'll need to look into. If not, there will certainly be other C-SNPs available.
Traditionally, if you live in the state of Indiana, and you turn 65. If you meet all traditional requirements, you can enroll into Medicare, part A and B. And select a Medicare supplement and a Medicare prescription drug plan. And get coverage to cover your treatments. After the medicare deductible. If you are duly eligible for both medicaid and Medicare, medicaid will pay along with Medicare. And you will not need to purchase or be eligible to purchase a Medicare supplement.
