Medicare Supplement

CALIFORNIA BIRTHDAY RULE:

California provides a special open enrollment period for individuals currently enrolled in Medicare supplement plans.

90-day enrollment period, beginning 30 days prior to applicant’s birthday
Application must be signed (application signature date) within 90-day open enrollment period
Effective date must fall on Birthday or up to 90 days after birthday
Plan benefits must be of equal or lesser value to current plan

Idaho provides a special open enrollment period for individuals currently enrolled in Medicare Supplement plans.

63-day enrollment period, beginning on applicant’s birthday
Application must be signed (application signature date) within 63 days open enrollment period.
Effective date must fall on birthday or up to 90 days after birthday
Plan benefits must be of equal or lesser value to the current plan.

Illinois provides a special period for individuals between 65 and 75 years old who are currently enrolled in Medicare supplement plans.

45-day enrollment period, beginning on your applicant’s birthday
Application must be signed (application signature date) within 45-day open enrollment period
Effective date must fall on birthday or up to 90 days after birthday
The new plan must be from the same underwriting company as the existing plan.
- If the existing plan’s underwriting company is now closed, the birthday rule would not apply. New applications would need to be underwritten.
Plan benefits must be of equal or lesser value to current plan

Kentucky provides a special Enrollment period for individuals currently enrolled in Medicare supplement plans.

If existing Medicare Supplement policy
- 45-day enrollment period, beginning on your applicant’s birthday
- may purchase any Medicare Supplement policy offered in this state
If an individual is at least 65 years of age and does not have an existing Medicare supplement policy, but maintained health insurance coverage through the individual’s employer at the time the individual attained sixty-five years of age, the individual shall have an open enrollment period commencing with the termination date of the individual’s employer-based health insurance coverage and lasting for a period of 45 calendar days, during which the individual may purchase any Medicare supplement policy offered in this state.

Policyholders in Maryland will be granted a once-yearly Open Enrollment Period during the 30-day period following the policyholder’s birthday
The Birthday Rule establishes a guaranteed issue period each year to allow a policyholder to change, without underwriting, to a Medicare Supplement policy of equal or lesser benefits.

60-day enrollment period, beginning 30 days prior to your applicant’s policy anniversary date.
Your applicant must choose the same plan as their current plan

Nevada: Beneficiaries can change their Medigap plan during a period of at least 61 days. This window opens on the first day of the beneficiary’s birth month. During this time, policyholders can change their Medigap carrier or plan if it is an equal or lesser benefit to their current plan.

30-day enrollment period, beginning on applicant’s birthdate and ends 30 days later.
Application must be signed within the 30 day enrollment period.
Effective date of new coverage typically begins on the first of the month following the application date. (It cannot start before their birthday.)
Insurers can adjust the effective date so consumers do not have two policies that are active at the same time. (In some cases, this means the policy start date is more than 30 days from the date of application.)
Plan benefits must be of equal or lesser value to the current plan.

60-day enrollment period, beginning on applicant’s birthday
Insurers can switch to a comparable or lower tier plan offered by same issuer as their current plan

For Company compensation rules, please consult the state commission schedule.