- California: The birthday rule in California allows you to change policies within a 60-day window, instead of the typical 30-day timeframe. The birthday rule begins 30 days before your birthday and ends 30 days after your birthday. To qualify, you must already have a Medicare Supplement (Medigap) plan. Additionally, when you apply for a change the new plan must be equal or lesser value to your current plan.
- Connecticut: Connecticut is a guaranteed year-round state, permitting you to make changes to your policy throughout the year. Additionally, rates may not vary based on the applicant’s age, gender or health status.
- Maine: If you have a Medigap plan, you can switch to a plan of equal or lesser value. Also, in Maine they have an extension on the standard Medicare Advantage “trial right.” In other states, you have only one year to switch to a supplement when you try an Advantage plan. However, in Maine, you can “try” the Advantage plan for three years, and you have 90 days after dropping the policy to switch to a supplement with guaranteed Issue rights
- Massachusetts: In February and March each year you have a guarantee issue to change plans.
- Missouri: If you have a Medigap policy, you can switch plans within 60 days of your enrollment anniversary. The plan must be of equal value.
- New York: You can enroll in a Medigap policy without underwriting throughout the year.
- Oregon: The birthday rule applies for Oregon. To qualify, you must already have a Medicare Supplement (Medigap) plan. Additionally, when you apply for a change the new plan must be equal or lesser value to your current plan.
- Vermont: In Vermont, you can enroll in a Medigap plan without underwriting throughout the year.
- Washington: Allows Medigap enrollees to change Medigap plans (except for Plan A) at any point throughout the year. If you do change, the insurance company has the right to impose pre-existing condition waiting period for up to three months.
People Also Read: Medicare Supplement (Medigap) Guaranteed Issue Rights Explained