Missouri has a thing called the “Anniversary Rule” which allows Medigap enrollees to switch plans each year. We know it sounds like the “Medigap Birthday Rule”, but it’s different, we promise. Let us explain how Missouri’s Medicare Supplement (Medigap) Anniversary rule works.
This is how the Missouri Medigap Anniversary Rule works for those who have a Medigap plan and are a current resident of Missouri:
No. Missouri only has the Medicare Supplement Anniversary rule, not the Medigap Birthday Rule. States that have the Birthday Rule are California and Oregon. In these states, you can switch to any plan of equal or lesser value in the 30 days following your birthday and have guaranteed enrollment without having to undergo medical underwriting; in addition, you can apply up to 30 days before your birthday.
Missouri’s Medigap Anniversary Rule is beneficial to Missourians because you can choose a Medigap plan each year that has the best price. Remember that all Medigap plans are federally standardized. So in Missouri, you don’t need to look up how historically a plan increases its rate each year before committing to a plan, but rather the rate that is best for you each year.
For further questions about Missouri Medigap plans call a Senior65 agent at 800-930-7956.
By Amanda on April 01, 2016
Can I switch from High Deductible F to regular F as Guarantee issue???
By Nancy C Wilson on October 06, 2015
You are the first company to explain this. Thank you!!! Just to clarify, if I buy a Medigap plan in Missouri and the price goes up, I can switch to another company without Medical review?