California’s Medicare Supplemental Insurance Birthday Rule allows Medigap members to switch to a different insurance plan or provider around the member’s birthday. When exactly? Starting on the birthday and up to 60 days after it. Members who take advantage of this new switching law cannot be turned down for the new plan because of a pre-existing condition. Switching using the Birthday Rule can also be done in Oregon.
This article was updated on February 2, 2020 to reflect new information.
Besides, as of July 1, 2020, a standardized plan and an Innovative plan are considered equal in benefits. This means if you have a standard F you can switch to Innovative F or F extra during the California Birthday Rule.
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 in the period between your birthday and 60 days after
As of July 1, 2020, Medicare Supplement enrollees who wish to exercise their guaranteed issue right under the CA Birthday Rule will have a 60-day open enrollment period vs. the old 30-days to purchase any Medicare Supplement coverage that offers benefits equal to or lesser than the benefits provided by their current plan.
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 risk being turned down for pre-existing conditions. However, in California you can switch 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 Medigap Quote. 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. To learn more, visit our Medigap Overview page.