How does California’s Medigap Birthday Rule work?

CA Extends Medigap Switching Rule to 60 Days

by Ray Wilson+ on Nov 12, 2019 | 43 Comments

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California’s Medicare supplemental insurance “Birthday Rule” allows Medigap members to switch to an equal or lessor-benefit Medigap plan on their birthday.  In the past, you had 30 days from your birthday to switch plans without health review using the Birthday Rule. Thanks to California Senate Bill 407, CA residents now have 60 days after their birthday to switch. 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 July 1, 2020 to reflect the new law.

The new law, which took effect on July 1st, 2020, made two changes to the CA Birthday Rule. 

1) You now have 60 days from your birthday to switch
2) A standard Medigap plan and an Innovative plan are considered equal in benefits.

This means if you have a standard Plan F, you can switch to Innovative F or F extra during the California Birthday Rule without review. This is good news if you want to switch to a Medigap plan that also covers vision and hearing.

How to Exercise the Birthday Rule

To take advantage of the birthday rule, you must:

Switching with Senior65 takes just a few minutes and there is never a cost for our services.

Why is the Birthday Rule Important?

In states without the Birthday rule, you can be turned down if you try to switch plans to save money. In California, however, you can switch using the Birthday Rule and you are guaranteed to be approved. This rule allows you to continue to shop for the best price even if you have a pre-existing condition.

CA residents should always check out Medigap prices as their birthday approaches. The best way to get prices is to get an instant Medigap Quote here. 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, contact us at 800-930-7956.

Learn More about Medigap Get a Medigap QuoteApply for Medigap

Please Note: Switching using the Birthday Rule can also be done in Oregon. Contact us for more info.

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Reader Comments and Questions

By Sue on July 14, 2020

My husband who has been on Medicare Advantage for some years, would like to switch to a Medicare Supplement plan. We understand that if he were to do so, he would be subject to medical underwriting. Assuming that he switches to a Supplement plan during the Medicare Advantage open enrollment (for coverage starting in 2021), can he switch to a lower cost Supplement plan (of the same benefit level) using the California Birthday Rule on his birthday next year? (It is our understanding that under this rule he would not be subject to medical underwriting since he is switching from another Supplement plan. )

You are correct! Once approved on a Medigap plan in CA, he can then exercise the birthday rule as explained in the article above. We can help him apply for a plan during Medicare AEP open enrollment. Give us a call to discuss his options.
-Michelle from

By David on September 14, 2019

I am on straight Medicare with a Part D plan. I have had some medical issues. I am thinking about buying a Medicare Supplement. I have a birthday coming up in October. Can I buy a Medicare supplement without being turned down because of the birthday rule?

The CA birthday rule is only for those who currently have a Medicare Supplement (Medigap) and want to switch to an equal or lesser Medigap plan. If you don't already have a Medigap plan you would most likely have to go through Medical Underwriting.

Medicare Advantage (MA) has open enrollment every Oct 15- Dec 7th and they never have medical underwriting. Learn more about MA open enrollment here
-Eric from

By Robert on September 04, 2019

I'm entering Medicare in December & looked hard at Advantage & Supplement plans. My main concern is catastrophic coverage, it seems Advantage plan (HMO) negatives are: restrictive networks, high OOP maximums, "insurers" deciding procedures / specialists you can use, & can change their rules (doctors, hospitals) at any time; but have low premiums & integral drug plans.

Medicare Supplement (Medigap) allow use of most doctors/hospitals, lower OOPs, "you & your Dr" decide procedures/specialists, & their rules don't change much; but have higher premiums & separate drug plans.

To minimize payments but maximize coverage, the high deductible F (HDF) supplemental plan seems best since it has mostly the good of supplements & minimizes the bad of Advantage plans. Even with HDF's $2300 OOP, once you look at premium differences of the other supplements, this is almost cut in half - and that OOP only starts being used AFTER Medicare pays its normal 80%. This may only make sense for healthier seniors. Your comments?

Your analysis is spot on. If you are pretty healthy, the high deductible F (and coming soon high deductible G) can save you money and protect your wealth from the cost of expensive medical procedures. If you have to pay that High deductible every year because you have regular health needs, on the other hand, a plan G will be a better deal. Give us a call and we can run the numbers.
-Chris from

By Neil on August 02, 2019

Page 23 of 2019's CMS publication "Choosing a Medigap Policy" describes the "Trial Right" as: "You joined a Medicare Advantage Plan when you were first eligible for Medicare Part A at 65, and within the first year of joining, you decide you want to switch to Original Medicare." It goes on to say “You have the right to buy... Any Medigap policy that’s sold in your state by any insurance company.” Sorry that's so lengthy, now here's the question: Does the Trial Right also give a person the right to buy a stand-alone Part D plan, or must they wait until the AEP?

If your MA plan includes drug coverage, you will be able to select a separate Part D drug plan when you exercise your trial right to switch from MA to Medigap. Give us a call and we can help you enroll in both.
-Michelle as

By Jim on July 31, 2019

In understand the rules of the birthday rule. Only thing I don’t understand is when is the effective date. My father (birthday in middle of September). So, would it be 09/01 or 10/01 for new company?

Typically the new policy would take effect the 1st of the month after the birthday. In your father's case, that would be October.

We like to think of ourselves as the Medigap switching experts! Have your father give us a call when he is ready to switch. We can guarantee the lowest price allowed by law and never charge a fee for our services.
-Michelle from

By Linda52 on July 28, 2019

Hello, I am considering going from Plan F to Innovative F in August, which is my birthday month. I am in Anthem Blue Cross already. I am wondering about the health review/medical history and any waiting periods for preexisting conditions. I tried to go to a Plan G w/another company last year only to find that there was a waiting period for coverage (this was outside my birthday, but I don't think the birthday rule applies much in the case of the F to Innovative F case). I am concerned about the waiting period, which I consider to be "no coverage for X months." Thank you for any light you can shed on this!

You can always move from an F to a G during the birthday month with no waiting period or health review. Anthem has, in the past, required medical underwriting for those going from standard Medigap F to Innovative F. Occasionally Anthem, HealthNet and Blue Shield will offer specials to allow moving to their Innovative F (or F Extra in Blue Shield's case) without health review during your birthday month. Give us a call and we can confirm how it will work in your situation and help you enroll.

Remember we like to think of ourselves as the switching specialist and we never charge a fee for our services.
-Michelle from

By Neill on June 25, 2019

My part b will start August 1, 2019. Do I have 6 months to acquire a supplement& part d?

When it comes to Medigap (Medicare Supplement) you have 6 months to enroll starting on the first of the month of your birthday.

Part D, on the other hand, only gives you 4 months including the month of your birthday.

GIve us call to get you enrolled in no time and without any gaps in coverage. We charge nothing for our services.
-Michelle from

By SANDRA on June 21, 2019

I have a question about the Birthday rule in CA. Does this only apply to the Medicare Supplemental plans, or will it also pertain to the Medicare HMO style plans? Thank you.

California's Birthday Rule is only for Medigap (Medicare supplement) plans. For Medicare Advantage HMO plans, you can switch during the Annual Election Period.

We are Birthday Rule experts! If you wish to switch your Medigap just give us a call. There is no cost for our services.
-Michelle from

By Jim on June 10, 2019

I have plan G in California. I have paid the part B deductible for 2019. If I change carriers exercising the birthday rule in 2019, moving directly from plan G to another plan G, do I have to pay the part B deductible for 2019 again with my new carrier? My current carrier no longer supports Silver Sneakers, where an alternative carrier does.

Once you pay your Part B deductible for the year, you don't have to pay for it again even if you switched Medigap plans. We are Birthday Rule Specialists!!! Please give us a call. We can help you switch to your new plan that includes Silver Sneakers right over the phone.
-Eric from

By Linda on March 11, 2019

From what I've read, under the California birthday rule, for 2019, you can (without undergoing underwriting - ie with guaranteed issue/acceptance) do the following:

Have plan F with insurance company X and switch to plan F with insurance company Y. (ie shop premiums among companies for the same plan). Could you please verify this? (EDITORS NOTE: Yes! you can switch companies to equal or lessor plans during the CA birthday rule. ) But, from what I've read, starting in 2020 there is a difference of opinion - leading to confusion - about the above.
Some say there will be no change. This will be still be available. Others say this will no longer be possible. In other words, you will no longer be able to shop premiums among insurance companies for plan F. To keep an F you would have to stay with the insurance company you have on 12/31/19. And, should premiums for F start to really go up, the only recourse to control premiums would be to switch to a G (or other) either with that company or another company. Could you clear this up and find out what the real rules will be for 2020 and later?

Hello Linda,
We know there is a lot of confusion about 2020. This is why we wrote this article that explains what is happening to plan F after 2020. This is our best understanding of the new rules. If you are already a Medicare beneficiary before 2020, you should be able to switch from Plan F to Plan F between companies using the California Birthday Rule going forward. Only "newly eligible" beneficiaries will not be able to enroll in Plan F, High F and C after 2020.

If premiums should go up, you should have the opportunity to switch to another plan during the birthday rule.

We would love to help you enroll or switch plans so please give us a call.
-Michelle from

By Lyn on March 07, 2019

As I understand it Anthem Blue Cross' new Innovative F allows you 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. If I sign up for Innovative F in 2019 (as a new medicare enrollee), can I switch to plan F during or after 2020 using the California Birthday Rule? It's unclear whether I can make this downgrade after 2020. Thanks

Hello Lyn,
Using the CA Birthday Rule you should be able to switch from Innovative F to Plan F even after 2020.

If you are not already working with us, we would love to help you enroll and/or switch if you decide to. Give us a call!

-Michelle from

By John on February 24, 2019

I've been considering changing to a G plan from my F plan anyway, premiums increasing by $160 this coming year. I'm 67 and my birthday is in March. I was reading about the changes next year and I was afraid that I'd be stuck in my F plan or if I changed plans now that my premiums would sky rocket because of my preexisting conditions. This CA birthday rule period is a godsend. The day after my birthday, I'll be ready to make the switch to a G plan. With the F plan's dwindling pool of participants and continual aging of F planners; isn't it important for anyone who can, especially those people with preexisting conditions, to get out of their F plans now or face substantial premium rate hikes for the remainder of their F plan coverage.

Hello John,
You explained the situation very well. While we don't know exactly what will happen to prices in the future, your logic for switching to G makes sense. We agree the birthday rule is great! We wish it was available for switching Medigap in every state.

When you are ready to switch to G, please give us a call as we would love to help you at no additional cost.

-Michelle from

By Scott on February 16, 2019

I am a resident of California will be 67 in December 2019. I now have a Medicare Advantage (MA) Plan. I wish to get a Medicare Supplement Plan - without going through underwriting. A phone operator told me very confidently tonight that if I apply for the Supplement Plan N, I would not have to go through underwriting. Then following California's Birthday Rule, I would be able in December 2019 to enroll in, say, Plan F or whatever Supplement Plan I wished. Can that be correct?

That advice does not match our understanding of how Medigap enrollment or the CA birthday rule works.
A) Insurance companies do not typically guarantee approval for just plan N. The provider you mentioned confirmed that one would have to go through underwriting to be approved on plan N.

B) Once on Plan N you could NOT switch to a plan F using the Birthday rule. With the birthday rule, you have to switch to a plan that is of equal or lessor benefits. F is not considered less than N so you couldn't use that rule (there are some insurance companies that will allow you to upgrade during certain promotions but that is not part of the birthday rule-call to learn details on this).

If you goal is to move from MA to Medicare Supplement Plan without going through underwriting, the two best ways would be:
1) Apply for Medigap during your first year of MA using the trail right option.
2) See if you qualify for special enrollment such as moving out of your service area.

Please don't hesitate to give us a call to discuss your specific case. And why not call us? We never charge a fee and our customers are guaranteed to pay the lowest rate allowed by law...and frankly we are very good at what we do.

-Chris from

By Donna on February 14, 2019

I know in CA you can change a medigap plan to another plan in your birthday month, but I am receiving conflicting information as to whether I can keep my same plan F but switch to a company with lower rates. Can I keep Plan F but change companies? If I can keep plan F and change companies, will I still be able to do that after plan F is closed to new enrollees in 2020 and beyond?

You can definitely keep Plan F but change insurance companies. We have helped many of our clients do exactly that. If you would like help with this process, just give us a call. We can handle it right over the phone.

The way we have interpreted the new law, current Plan F member should still be able to use the Birthday rule to switch to another Plan F even after 2020.

Hope that helps and give us a call if you want to switch to a lower priced F.
-Michelle from

By Craig on February 06, 2019

Does the CA birthday rule also apply to Medicare RX plans?

The birthday rule only applies to Medicare Supplement (AKA Medigap) plans.

You can switch your RX during Medicares AEP open enrollment
-Eric from

By Anne on February 06, 2019

I just switched my h;usband's Medigap policy to a company with a lower premium using the CA Birthday Rule. If I also applied now rather than waiting until my birthday month at the end of the year and for any reason was denied or the terms were higher, can I reapply for automatic acceptance at the end of the year?. Even at the issuing company's lower normal rate (if for any reason they levied a higher premium in the middle of the year)? I have no medical conditions and my only meds are HRT so I'm not overly concerned but I'd like some reassurance before attempting this change.

Hello Anne,
You should have no problem using the Birthday Rule at the end of the year even if you get turned down before. If you do get turn down, your monthly premium will be based on the prices set at the time of your new application.

We have helped 100's of clients switch plans using the birthday rule at no additional cost. Please consider working with us should you want to reapply during your birthday month.

-Chris from

By stan on July 14, 2018

my birth date was 4/4/53 in march - my paperwork was cleared with auto pay yet the insurance company has canceled me for lack of payment. The agent I used keeps telling me he will straighten it out but it seams to get worse. Can I sign up with someone new?

You have 6 months from your part B effective date to enroll in a Medigap plan without health review. This means you can also sign up with someone new (like us!) during this time and they have to accept your coverage.

If you fall outside this 6 month innital enrollment window, you can still reinroll but you may have to fill out health questions before approval.

Give us a call and we would be glad to help you. There is never a fee to work with us and we guaranteed the lowest prices allowed by law.
-Eric from

By Dan on June 24, 2018

My mother is 85 and is in very good health for her age. She lives alone without any help or care, but has very mild Parkinson’s. She currently has a Medicare Advantage Plan (MA) with BCBS, parts A and B. She wants to switch back to basic Medicare and add a Medicare Supplement and stand-alone Medicare Part D (Rx) Plan. This way she can see any doctor that accepts Medicare without a referral and the supplement insrance would pay claims after Medicare pays them. Can she make this change during the “birthday rule” period?

She can switch from MA to a Medigap plan but the birthday rule would not apply. The birthday rule is designed from switching from one Medigap plan to another.
She could only switch during certain times of the year. The best time to do this is during the initial enrollment period of Oct 15-Dec 7. She would have to submit a Medigap application and answer some health related questions before approval.

We have helped many clients switch from Medicare Advantage to Medigap so please give us a call to discuss your options.
-Chris from

By Peter on April 17, 2018

My wife started on Medicare 2 years ago and selected Plan F with Anthem Blue Cross in California. It is within 30 days of her birthday and she would like to use the “birthday rule” to switch to Plan G. We called Blue Cross but they say she cannot switch from Plan F to Plan G. Are they correct?

Based on the information you shared this is NOT correct. Please contact us and we can help you switch your wife's plan from F to G. There is no charge or hidden fee to work with our team.
-Eric at

By Nancy on October 29, 2017

I am 70 y.o. and want to come off small group policy. I have had Part B for two years and do not qualify for guaranteed acceptance. Does the birthday rule apply to me or no because my current coverage is not a medigap plan?

The birthday rule only applies to those that currently have a Medigap plan. While you technically do not qualify for a guaranteed issued plan since you have had Part B for more than 6 months, we have been able to get most of our clients who have recently ended group coverage approved without medical review.

Please give us a call to discuss your options
-Chris from

By Sarah on June 10, 2017

If someone who is under 65 and on Medicare due a disability, they can switch to any supplement when they turn 65 regardless of their residence state? In other words, they get a new open enrollment period with guaranteed issue when the turn 65. Is that correct?

In most states, you are correct. However, in some states, like NY which has year round guaranteed issuance, they do not get a second Medigap initial enrollment period. What this means is if a person were to miss their initial enrollment period, they are still guaranteed enrollment in NY, but their preexisting conditions may have a 6 month waiting period. Other states may have other qualifications. For your specific state call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Eric from

By Don on May 05, 2017

I have been on a Medicare Advantage plan for at least 3 years. Can I switch to a supplemental plan if I have a pre-existing condition (prostate cancer). I've been told no but are there any workarounds? I'm in California, age 70.

Most likely you will not be able to join a Medigap plan because you have cancer. The only work arounds would be if you had creditable coverage through work, it was your first year of Medicare Advantage, or if you have another qualifying event. If you believe you have a qualifying event, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from

By Ari8 on May 04, 2017

New to California. Does this mean I can no longer change during Medicares annual open enrollment period? Or can I change both then and in my birthday period?

The Annual Election Period is only for switching/joining a Medicare Advantage or Part D drug plan OR for returning to Original Medicare, it is NOT for switching/joining a Medigap plan. If you do not have a Special Enrollment Period in CA, the only time you can switch your Medigap plan without going through medical underwriting is during the birthday rule. If you need help switching your California Medigap plan call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from

By Sam on January 25, 2017

Based on the birthday rule, the provider cannot turn down my application but can the provider charge more because of present health problem?

Good news! Nope! As long you switch your Medigap plan during the CA Birthday Rule to equal or lesser benefits your new plan cannot charge more for a preexisting condition. If you need help finding a plan call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from

By Fred on December 14, 2016

what other States in the country have this same Birthday rule as California?

Great question! While there is only one other state that offers the Medigap Birthday Rule: Oregon; Missouri has the Anniversary Rule. But not to worry if you don't live in one of those states! We consider ourselves the Medigap switching experts. If you need help switching your Medigap plan please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from

By Judy on December 05, 2016

Can this "birthday rule" be applied every year going forward in that 30 day window around my birthday? Could I switch to the best priced plan of equal or lesser value each year going forward or is there a limitation as to how many times this rule can be applied?

You can use the California Medigap Birthday Rule every year! If you need help finding the best deal in your area call our Senior65 team of licensed independent insurance agents at 800-930-7956.
-Eric from

By Nancy Mantell on December 03, 2016

I am 69 and have Medicare Parts A and B, but no supplement. If within 30 days of my birthday, can I apply for a Supplement at Guarantee issue or do I have to be underwritten?

Without a current Medigap policy you do not qualify for the Medigap Birthday Rule. Therefore, you will need to go through medical underwriting. Don't worry some companies are easier than others. We can help. Call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from

By Sandra Valdez on November 05, 2016

I have been on original medicare since 2000 due to disability and have always used my medicare as a secondary insurance because my husband carried me on his plan. I no longer will be using his insurance plan and my Medicare will now be primary. Being 57 can I get plan F medigap plan in California? If I can what is the premium? Does plan F really cover anything Medicare doesn't?

You can apply for a Medigap plan under 65 in CA, but you can be denied, and if you're not denied you will be charged more than if you were over 65. The premium will depend on your zip code and your medical records.
-Michelle from

By Jean Gallagher on October 13, 2016

We live in California. My husband's birthday is October 22. I want to change him from Plan F with one company to Plan G with another company. If I apply in November, within 30 days of his birthday, can I have the effective date of the new plan be December 1st.?

Absolutely, your husband can start on December 1, if he applies within in 30 days of his Oct 22nd birthday. If you need help switching from Plan F to Medigap Plan G during California's Birthday Rule, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from

By carol on October 08, 2016

my birthday is in jan.and 6 months after i started medicare in california my plan f went up. i thought it would stay one rate for a year. how can it go up after 6 months

Each Medigap company may increase their rate at different times of the year. Some companies increase twice a year, some increase once, and on a rare occasion the price stays the same, or even is decreased. If you would like to look into a different Medigap plan, please contact one of our licensed independent insurance agents at 800-930-7956.
-Michelle from

By Deborah on September 29, 2016

Hello..Due to a disability, I have been on Medicare since Oct 2012. I am 53 yrs old. I will be moving to Cali soon and was wondering if there is a residency time period before being able to apply for Supplemental Medigap Ins. Thank you.

You can apply as soon as you get to California,as long as you have proof of residency (ie. lease, cable bill, utility bill). If you need help applying for a Medicare Supplement plan, call one of our Senior65 licensed independent agents at 800-930-7956.
-Amy from

By Betti gregory on June 03, 2016

Does this rule apply to part d?

The Medigap Birthday Rule only applies to Medigap plans. However, you can change your Part D during Medicare's Annual Election period. If you need help finding a Medigap or Part D plan, please call one of our Senior65 licensed independent agents at 800-930-7956.
-Chris from

By Gabriela on April 20, 2016

does the birthday rule apply to someone who is under 65 and on medicare due to disability?

The California Medigap Birthday Rule should apply to anyone in CA who is enrolled in a Medigap plan. For further help, please speak to one of our licensed independent insurance agents at 800-930-7956.
-Amy from

By Roberto on April 01, 2016

Which Medigap plans can I switch to?

You can switch your Medigap plan to any other plan of equal or lesser benefits during your birth month. Here is a chart of Medigap plans you can switch to during the Birthday Rule For further help, call one of our licensed independent insurance agents at 800-930-7956.
-Chris from

By sharan on March 23, 2016

Not clear why I need Medigap. I am 65 and have decent financials. Also in good health. It seems to me all they are paying are the 20% doctor bills or the copay. Do they cover anything else, such x-rays and blood tests? What about mammogram and colonoscopy? If I go to the doctor four times a year only, does it make sense for me to have this insurance?

Medigap covers way more than just your Part B 20% coinsurance. Depending on the plan you choose, it can cover your Part A and B deductibles, copayments, and your Part A coinsurance, for such things as scheduled blood work, x-rays, colonoscopies, and mammograms. For help finding a Medigap plan, please call one of our licensed independent insurance agents at 800-930-7956.
-Chris from

By ela on January 20, 2016

BDR: If I have an Advantage Plus with KP and wish to move to Plan F... may I do that?

While the Medigap Birthday Rule does not apply to Medicare Advantage plans, you can apply for a Medigap Plan F. You likely will need to apply during the Medicare Advantage disenrollment period (Jan 1 thru Feb 14th). Remember do NOT disenroll from your MA plan until you are approved by Medigap (you most likely period you will need to answer medical questions, and can be denied). Please contact us at 800-930-7956, and we to help you find a Medicare Supplement plan in your area that has more accessibility to Medicare beneficiaries applying after their initial enrollment.
-Chris from

By Michael on January 10, 2016

I live in Massachusetts where I have medicare and medicaid. I am 70 years old. I am moving to San Diego California, I would like to buy medigap insurance. Do I have to undergo underwriting? Thanks

If you no longer qualify for Medicaid, you may have a Special Enrollment period for Medigap that would not require medical underwriting. Please call 800-930-7956 for more assistance.
-Michelle from

By paulette on January 10, 2016

what If I move out of California to another state, can I still use the birthday rule?

Unfortunately, no. You would still need to continue to live in California to use the Medigap Birthday Rule.
-Chris from

By Michael on December 18, 2015

Saw your answer about not being able to switch from the High Deductible Plan F plan to the traditional Plan F plan under the birthday rule. How about switching from the High Deductible Plan F to any other of the plans? Since Plan C and G are pretty close to Plan F, would those be good alternatives to the traditional Plan F or is the High Deductible the lowest plan that there is so you cannot switch to any other plan from it?

The California Medicare Supplement Birthday Rule allows to switch to a plan of equal or lesser benefits. So, if you have Medigap High F you would only be able to switch to another High F plan from another company, but remember that your deductible may restart if it's midyear. Remember, you can apply to a traditional Plan F, you'll just need to answer medical questions.
-Jacima from

By Jim on October 31, 2015

California allows switching Medigap plan for 30 days after my birthday regardless of pre-existing conditions. But can they refuse to cover pre-existing conditions for 6 months?

Great question! If you switch your CA Medigap plan during the 30 day Birthday Rule period to a plan of equal or lesser value, then you cannot be asked medical questions, nor can waiting periods be applied. Hope this helps!
-Amy from

By Bill on October 25, 2015

Where can I find a list of all the companies that offer Medigap policies in my zip code together with the current monthly premium charged by each company

If you go to our Medigap quote, Please call us at 800-930-7956. Hope this helps!
-Chris from

By Happy on September 10, 2015

If I have a High deductible F plan can I switch to regular F during the birthday rule?

Unfortunately, you can't switch to a traditional Medigap Plan F from Medigap High F, without answering medical questions. You can switch from one High F plan to another, though. Hope this helps.
-Chris from

By Robert Lishan on September 02, 2015

I'm 67 have Medicare & Medicaid. Hopefully I will be going off Medicaid by year end. Can I get a Medigap policy then?

Thank you for your question. To answer your question, you might be able to enroll in Medigap. However, since you have a very specific situation, we suggest that you call us at 800-930-7956.
-Eric from

PLEASE NOTE: We cannot comment on specific Medicare claims. Contact Medicare directly if you are trying to see if your issue is covered.

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