California’s Medicare Supplemental Insurance law (AKA “Birthday Rule”) allows Medigap members to switch to a different insurance plan or provider during the 30 days following the member’s birthday. Members who take advantage of this new switching law cannot be turned down for the new plan because of a pre-existing condition.
This article was updated on Jan 2, 2018 to reflect new information
To take advantage of this rule, you must:
1) Live in California
2) Have an active Medigap plan
3) Switch to a Medigap plan with same or lesser benefits
4) Be within 30 days of your birthday
Why is the Birthday Rule Important
In states without the Birthday rule, if your Medigap price dramatically increases you would either have to pay the new higher price or apply for a new plan and could be turned down for pre-existing conditions. In California, however, you can switch to a competitor within 30 days of your birthday and you are guaranteed to be approved. This protects you and gives you options.
CA residents should always check out Medigap prices as their birthday approaches. The best way to get a quote is to click on the Medigap Quote button below. If you find the same plan for less with a different provider or just want to get on a less expensive plan, we can help you switch. For questions, call the number at the top of the page. To learn more, visit our medigap overview page
Anthem Blue Cross new Innovative F states that you can switch from it to traditional F (or G, N etc) during your birthday month but you cannot move from a traditional F to innovative F without health review.