If you already have Medigap insurance, you have 60 days of “open enrollment” following your birthday each year when you can buy a new Medigap policy without a medical screening or a new waiting period. The new policy must have the same or lesser benefits as your old policy. To avoid confusion, the new law specifies which of the new Plans are equal to the old Plans.
Want to change to a different Medigap plan for a lower premium? In California and have a Medigap plan, you can! Our state law allows you an opportunity to buy certain plans without a health screening each year starting on your birthday for at least 60 days. This window used to be 30 days, but, thanks to the passage of SB 407 (Monning) in 2019, this Medigap “Birthday Rule” has been extended to 60 days as of January 1, 2020.
How does it work?
If you already have a Medigap plan, you can choose a plan from any company but are limited to one that has the same or fewer benefits than your current plan. For example, if you already have Plan G, you may switch to another Plan G, but not to a Plan F.
To qualify for the Birthday rule you must:
- Live in California
- Have a Medigap plan in force
- Switch to a plan with equal or lesser benefits
- Act before 60 days have passed since your birthday
Why Work With Us?
We are completely independent and work with all the top companies and plans in Los Angeles, CA. We are able to compare all plan options and help you pick the plan that fits your unique needs and preferences.
During our initial consultation, we ask what your preferences are such as doctors, hospitals, budget, etc. These are things that help us determine what specific plan is best for your situation. In addition, we help our clients each year when it comes time to review your plan. We charge nothing for our services, we are compensated directly by the insurance companies and it does not affect the premium you pay.
Call us directly today at (213) 214-2399 for a free consultation or use the online form to get started.