The Medicare Birthday Rule: The Annual Window to Switch Plans Without Health Questions
In states with the birthday rule, you can switch to an equal or lesser Medicare Supplement plan without medical underwriting during your birthday month. Here is how to use it.
In most states, switching Medicare Supplement plans requires medical underwriting — the insurer can deny you or charge more for pre-existing conditions. But several states have adopted the 'birthday rule' that gives you an annual window to switch plans without health questions.
What the Birthday Rule Is
The birthday rule allows Medicare Supplement policyholders to switch to an equal or lesser plan from any carrier without medical underwriting during a window around their birthday. The window is typically 30-60 days starting on your birthday.
States With the Birthday Rule
States with the birthday rule include: California (30 days before and after birthday), Oregon (30 days before and after birthday), Idaho (63 days starting on birthday), Illinois (30 days starting on birthday), Louisiana (30 days starting on birthday), Missouri (30 days starting on birthday), and Nevada (30 days starting on birthday). More states are considering adopting the rule.
How to Use the Birthday Rule
During your birthday window, you can shop for a lower premium on the same plan (e.g., Plan G to Plan G with a different carrier) or downgrade to a lesser plan (e.g., Plan G to Plan N). You cannot upgrade to a more comprehensive plan without underwriting.
Why This Matters
Medicare Supplement premiums increase each year. The birthday rule allows you to shop for a lower premium without health questions. Over 10 years, switching to a lower-premium carrier can save thousands of dollars.
Ready to find the right plan?
Patriot Plans is 100% independent. We work for you, not the insurance companies.
Learn About the Birthday Rule →Frequently Asked Questions
Can I use the birthday rule to switch from Plan N to Plan G?
What if I miss my birthday window?
Get Your Free Patriot Plans Consultation
Licensed in all 50 states. Independent. Lowest rates guaranteed.
Learn About the Birthday Rule →