What Is The Medicare Supplement Birthday Rule?

​A medicare supplement birthday rule is an opportunity for insurance users to experience other Medigap plans for a few weeks. It is a unique and effective strategy by insurance providers to reach out to their enrollees and give them alternative coverage. As of now, only five states are offering this special rule, namely:

• California
• Oregon
• Nevada
• Idaho
• Illinois

You will never know what assistance you will need in the future, so the birthday rule has created a chance to help and assist your healthcare needs. However, some current health issues that need to be addressed and prepared may add additional costs for managing complex healthcare fees.

If you are a Medicare Advantage plan member, the birthday rule doesn't apply to you as the said plan offers more benefits than the other plans. In each state, the birthday rule varies.

California Medicare Birthday Rule
The updated birthday rule is for the people residing in California. It begins thirty days before the insurer's birthday and ends sixty days after. The new rule is more beneficial and longer than the last rule.

Oregon Medicare Birthday Rule
Like the birthday rule in California, the updated rule is more advantageous than the previous one. The policyholders can try new plans in sixty-one days. They can choose a lesser or equal plan to their current insured coverage.  

Illinois Medicare Birthday Rule
In Illinois, only the citizens between sixty-five to seventy-five years old are the beneficiaries of this rule. Its rule is not to go over their current plan. It only lasts for forty-five days, beginning on the day of the insurer's birthday.

Nevada Medicare Birthday Rule
Like any other birthday rule, you can choose a plan that offers a lesser or equal benefit. This takes sixty days, starting on the insurer's birthday.

Idaho Medicare Birthday Rule
Only Idaho can change its carrier among the states that offer this rule. It lasts at least sixty-three days and begins on the policyholder's birthday.

Conclusion
A medicare birthday rule offers an opportunity for the insurers to change and try other plans except for those enrolled in a Medicare Advantage plan. Only five states offer this rule, California, Oregon, Nevada, Idaho, and Illinois.

At Medicare Supplement Store, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (732) 252-8828. You can also request a free quote by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.