Medicare State Birthday Rules
Medicare State Birthday Rules
State Birthday & Anniversary Rules
CA
Policyholders have an annual period of 60 days, beginning on their birthday, to change any plan of equal or lesser benefit with a carrier of their choice. Beneficiaries will not be required to answer underwriting health questions.
ID
Policyholders are eligible to enroll in any plan of equal or lesser benefit. Additionally, the plan may be with any carrier. This rule is annual and lasts 63 days beginning on the policyholder’s birthday.
IL
Policyholders between the ages of 65 and 75 have the chance to annually enroll in any plan of their choice from their current carrier. The new plan’s benefit level must not exceed that of their current plan. This window opens on their birthday and lasts 45 days.
IN
Effective January 1, 2026: Policyholders have a 60-day window starting on their birthday to switch to any Medicare Supplement plan of the same letter, including any variation of the lettered plan.
KY
Policyholders have an annual opportunity to switch to another plan of the same letter. The window starts on the policyholder’s birthday and ends 60 days after.
LA
Policyholders have a 63-day window starting on their birthday to switch to any Medicare Supplement offered by the same company as their current policy, or its affiliate companies available in Louisiana.
MD
Policyholders can switch to a different Medicare Supplement policy with equal or lesser benefits within 30 days following the individual’s birthday without underwriting. This rule has been effective since January 1, 2023, beginning with July 1, 2023, birthdays.
MO
Policyholders have an annual opportunity on the enrollment
anniversary to change from one Medicare Supplement carrier to another without any underwriting. This rule allows plan-to-like-plan only. This window starts 30 days before the enrollment anniversary date and 30 days after.
NV
Policyholders can change their Medicare Supplement plan to an equal or lesser benefit to their current plan during a period of at least 60 days, starting the first day of the beneficiary’s birthday month.
OK
Beginning on their birthday, policyholders have a 60-day window to enroll into another Medicare Supplement plan of same or lesser benefits. This is an annual enrollment opportunity.
OR
Policyholders can change to any carrier or plan of equal or lesser benefit with no health underwriting. The rule begins 30 days before the beneficiary’s birthday and ends 30 days after. This gives residents a 60-day period to make changes to their plan.
UT
Effective May 7, 2025: Beginning on an enrollee’s birthday and ending 60 days later, an issuer shall allow an enrollee that is enrolled in one of the issuer’s Medicare supplement insurance plans to choose a different Medicare supplement insurance plan that is offered by the issuer; and considered a comparable or lower tier plan than the enrollee’s current plan.
VA
Effective July 1, 2025: Beginning on their birthday, policyholders have a 60-day window to enroll into another Medicare Supplement plan of same or lesser benefits. This is an annual enrollment opportunity.
Year-Round GI Rules
WA
In the state of Washington, there is no underwriting required at any time to switch from one Medicare Supplement to another, except for moving from a Plan A. Beneficiaries can only move from Plan A to another Plan A.
CT
There is no underwriting at any time for Medicare Supplements in the state of Connecticut. This means those on a Medicare Supplement can move to any other Medicare Supplement at any time without answering health questions.
ME
In the state of Maine, there is no underwriting required at any time to switch to a Medicare Supplement of same or lesser benefits. Maine does have a one-month Open Enrollment for Plan A each June.
NY
There is no underwriting at any time for Medicare Supplements in New York state. This means those on a Medicare Supplement can move to any other Medicare Supplement at any time without answering health questions.
VT
There is no underwriting at any time for Medicare Supplements in the state of Vermont. This means those on a Medicare Supplement can move to any other Medicare Supplement at any time without answering health questions.
We can help make sure you have the right products in your portfolio to grow business!
Senior Marketing Specialists is more than just an FMO—we’re your solution.
Recent Posts
70% shopping rates will make this AEP a war zone. Do you have your Battle Plan ready?
Attend one of our in-person AEP Disruptions Bootcamps, or be left behind.
July 23, 2024
Blue Springs, MO
July 25, 2024
St. Charles, MO
July 31, 2024
Columbia, MO