Another problem with Medigap access rights is that the federal standards do not apply to more than 9 million disabled Medicare beneficiaries who are younger than 65. About 60 percent of the states do provide limited Medigap rights to this group. However, only 5 percent of Medicare enrollees younger than 65 had Medigap plans in 2015, according to the Kaiser report.. You’ll also get the pleasure of collaborating with hundreds of other Wikitravellers just like yourself. You’ll get free spellcheck…