Know Your Window
Your enrollment window opens on your birthday and stays open for 60 days after.
(Not available in all states)
WHAT IS THE
MEDICARE MEDIGAP BIRTHDAY RULE?
Switch Your Medigap Plan
Without Medical Exams
The Medicare Medigap Birthday Rule lets you switch to a new Insurance Carrier – with no health questions asked. We’re here to help you save money and get the coverage you deserve.
How It Works
Use the Birthday Rule to Your Advantage
Compare Plans
You can often find lower monthly premiums by switching Insurance Carriers. Keeping the same plan.
Saving made Simple
No medical underwriting means no denial for pre-existing conditions.
COMMON QUESTIONS
Frequently Asked Questions
When using the Birthday Rule, you can switch to a plan with equal or lesser benefits. Here’s an overview of common plans.
When is my birthday window?
The window typically opens on your birthday and remains open for 60 days after, depending on your state.
Can I switch from Plan F to Plan G using the birthday rule?
Typically the Birthday Rule requires you to keep the same plan but you can switch carriers.
Will switching plans reset my deductible?
No, the Part B deductible is an annual amount set by Medicare and is not controlled by the Insurance carrier.
What if I miss my enrollment window?
If you miss your Birthday Rule window, you may still be able to switch plans, but the insurance company can require medical underwriting and may deny coverage or charge higher premiums based on your health history.