The Medigap Birthday Rule in Wyoming lets you switch to another Medicare Supplement plan with the same benefits—without answering health questions. Learn how it works, who qualifies, and how you can switch Medigap plans using the Wyoming birthday rule.
What is the Medigap Birthday Rule in Wyoming?
Wyoming officially joined the list of states with a Birthday Rule for Medigap on 2025. This rule now gives you a yearly chance to switch Medigap plans without the usual hassle of medical questions. Each year, around the time of your birthday, you can switch to any equal or lesser benefit Medigap plan offered by any insurance company in the state.
Think of it as a special, guaranteed enrollment period tied to your birthday, making it easier to find a plan that fits your needs and budget.
This change brings more flexibility and control over your Medicare Supplement coverage. Instead of being locked into a plan as you would be in most states, you now have an annual opportunity to shop around and potentially save money or get better benefits. All this, without having to go through medical underwriting.
Get an Overview of All Wyoming Medigap Rules here.
Get a Medigap Quote Enroll in Medigap
When does Wyoming’s Medigap Birthday Rule Begin?
Your personal 63-day window to switch begins each year on your birthday, and it gives you just over two months to make a move without worrying about health screenings. This means you’ll want to mark your calendar and review your options as your birthday approaches. Feel free to drop a comment/question in the section below or directly call one of our team at 800-930-7956. There is never a charge or hidden fee to work with Senior65.com.
Do I Have to Answer Health Questions Under Wyoming’s Birthday Rule?
Nope! That’s one of the best parts of the Birthday Rule in Wyoming. During your 63-day birthday window, you don’t have to answer any health questions when switching to an eligible Medigap plan. You can’t be denied coverage based on pre-existing conditions or medical history.
This makes it easier and safer for people with health concerns to explore more affordable plans or move to a different insurance company without risking rejection. So, get an Instant Medigap Quote here and compare plans and costs.
How does the Birthday Rule work for Medigap in Wyoming?
It’s pretty straightforward. Here’s how it works: If you’re already enrolled in a Medigap plan in Wyoming, you now have a special 63-day period that starts on your birthday each year. During this time, you have a “guaranteed issue” right to switch Medigap plans.
You can switch to any equal or lesser benefit Medigap plan offered by any insurance company in the state. For example, if you currently have Plan G, you can switch to another Plan G or move to a Plan N. But you can’t switch to a Plan F unless you were first eligible for Medicare before 2020—and only if it’s considered a “lesser” or equal plan based on your current coverage.
Who qualifies for the Medigap Birthday Rule in Wyoming?
To qualify, you must already be enrolled in a Medigap plan and live in the state of Wyoming. This isn’t for people who are new to Medigap. It’s only for current Medigap policyholders who want to switch plans during their birthday window.
It also applies regardless of which insurance company issued your current Medigap plan, as long as you’re switching to a plan that’s either comparable or offers fewer benefits.
Get a Medigap Quote Enroll in Medigap
Can I change Medigap providers in Wyoming during my birthday month?
Yes! One of the most useful parts of the Birthday Rule is that you’re not locked into your current insurance company. You can switch to any insurer offering the same or lesser Medigap plan in Wyoming during your 63-day birthday window.
This is especially helpful if you’ve experienced rate increases, poor service, or just want to shop around. As long as the plan you choose has the same or fewer benefits, you’re eligible—no health questions asked. Wondering Which Medigap Insurance Company is the Best? Read this article.
What plans can I switch to under the Birthday Rule in Wyoming?
You can switch to any plan that is considered comparable or has fewer benefits than your current Medigap plan. For example, if you have Plan G, you can move to Plan G from another insurer, or downgrade to Plan N or Plan A. You can’t switch to a plan with more benefits than your current one.
| I Have a Medigap Plan: | I Can Replace It With: |
|---|---|
| Plan A | Plan A |
| Plan B | Plan A, B |
| Plan C | Plan A, B, C, D, K, L, M, N |
| Plan D | Plan A, B, D, K, L, M, N |
| Plan E | Any Plan |
| Plan F | Any Plan |
| Plan F High Deductible | Plan F HD, Plan G HD |
| Plan G | Plan A, B, D, G, K, L, M, N, F HD, G HD |
| Plan G High Deductible | Plan G HD |
| Plan H | Plan A, B, D, K, L, M, N |
| Plan I | Plan A, B, D, G, K, L, M, N |
| Plan J | Any Plan |
| Plan J High Deductible | Plan F HD, Plan G HD |
| Plan K | Plan K |
| Plan L | Plan K, Plan L |
| Plan M | Plan M, Plan N |
| Plan N | Plan N |
Note: Eligibility for Plan F requires Medicare eligibility prior to January 1, 2020. This chart is based on guidance from the Wyoming Department of Insurance and subject to change.
Save on Medigap Wyoming
Medigap premiums can vary widely across insurers—even for the same plan. The Birthday Rule gives you a yearly opportunity to shop for a better price without risking denial based on your health. If you haven’t compared your options lately, your birthday is the perfect time to do it.
You might be surprised how much you can save by switching insurers, even if you’re sticking with the same plan letter. Senior65.com offers free, instant quotes to help you compare—and our team can walk you through it at no extra cost.
Want to cut down on your monthly expenses? You should definitely read our article: ‘Medigap: Discounts and Special Offers‘.
What Happens If I Miss My Birthday Window in Wyoming?
If you miss the 63-day window after your birthday, you lose your guaranteed issue rights for the year. That means if you want to switch Medigap plans after that, you’ll likely have to go through medical underwriting, where insurers can ask health questions and even deny your application.
If your birthday window has already passed but you want to switch use our Instant Medigap Underwriting Checker to find out if you’re still likely to be approved. It’s quick, free, and gives you clarity before applying.
How does Wyoming’s Birthday Rule compare to other states?
Wyoming’s 63-day birthday window is one of the longer periods among states with a Birthday Rule. Each state has its own rules on which plans you can switch to and whether you can change insurers.
We’ve created a full state-by-state Birthday Rule comparison guide so you can see how Wyoming stacks up against others. If you’re moving or considering retiring in another state, this guide is a great place to start.
Tips to Make the Most of the Wyoming Medigap Birthday Rule
1. Time
Set a calendar reminder for your birthday so you don’t miss the 63-day window.
2. Shop around and Apply online
Compare prices across multiple insurers. If you find a better price than your current plan, Apply online here.
3. Get help
Don’t rush. Take your time to make an informed decision. Call Senior65.com 800-930-7956 if you want to review your options or apply over the phone.
Lastly, if you’re unsure about eligibility or approval outside of your birthday window, try our free Instant Medigap Underwriting Checker to see if you’d qualify with health questions—just in case you miss your chance this year. You would be surprised how many people get approved outside the Birthday Rule period.