California has the birthday rule — you can switch to a Medigap plan with equal or lesser benefits during a 60-day window around your birthday each year without medical underwriting. California uses the standardized plan letters. An independent agent can help you take advantage of the birthday rule.
Key Points
- California birthday rule: switch Medigap plans without underwriting during 60-day birthday window
- Can switch to plan with equal or lesser benefits
- Standardized plan letters (A, B, C, D, F, G, K, L, M, N)
- An independent agent can help you take advantage of the California birthday rule
- Birthday rule allows you to switch to a lower-cost plan annually