If you live in a state that offers a Medigap Birthday Rule or Medigap Anniversary rule, you can switch plans every year without having to answer medical questions. There is a catch: You must do it during designated switching times and your choices may be limited.
Which Medigap Plans Can I Switch to During My Birthday/Anniversary Rule?
This varies by state. If you live in California, you have the CA Birthday Rule where you can switch to any plan with equal or lessor benefits during the month of your birthday. In Missouri, you have the Medigap Anniversary Rule where you can switch to a plan of equal benefits, and possibly some companies will allow for you to enroll in a plan of lesser benefits. In Oregon they have created the chart below to show which plans you can switch to.
Plan Switching options for Oregon
|Current Plan||Plan you can switch to|
|Medigap Plan A||Plan A|
|Medigap Plan B||Plans A or B|
|Medigap Plan C||Plans A, B, C, D, K, L, M, or N|
|Medigap Plan D||Plans A, B, D, K, L, M, or N|
|Medigap Plan F||Plans A, B, C, D, F, High F, G, K, L, M, or N|
|Medigap Plan High Deductible F||Plan High F|
|Medigap Plan G||Plans A, B, D, G, K, L, M, or N|
|Medigap Plan K||Plan K|
|Medigap Plan L||Plans K or L|
|Medigap Plan M||Plans M or N|
|Medigap Plan N||Plan N|
UPDATE: This article has been updated for a misprint in a previous version stating that the Missouri Anniversary Rule allows you to switch to any plan of equal or lesser benefits. It should have stated that you can switch to a plan of equal benefits, and possibly one of lesser of benefits depending on the company.
How to Switch Your Plan During the Medigap Birthday/Anniversary Rule?
You can apply to switch your Medigap plan 30 days before or after your birthday or anniversary month. The earliest start date will be the first of the month after your birthday or anniversary month. Call one of our licensed independent insurance agents at 800-930-7956 to help you switch your plan.
How Can I Switch if I Don’t Have a Medigap Switching Right?
There are only a few states that allow this: California, Oregon, and Missouri. If you don’t live in one of these states, you can switch your Medigap plan. However, you will, most likely, be required to answer medical questions. If you don’t qualify for the Medigap Birthday or Anniversary rule, give us a call at the number above, and one of our switching experts will be able to help make a smooth transition into a new Medigap plan.