Birthday rule
California Medigap guide
California Medigap Birthday Rule and Switching Rights
Understand California Medicare Supplement rights, including the birthday rule and other situations that may affect your ability to change coverage.
Before changing Medigap
First, identify the protection and timing that apply.
California provides a 60-day open enrollment period beginning on your birthday to move to a Medicare Supplement policy with equal or fewer benefits without medical screening or a new waiting period.
Guaranteed issue
Identify protected situations
Some coverage losses or plan changes can create rights that differ from ordinary underwriting.Before changing
Keep your current policy active
Do not cancel existing coverage until the replacement policy is approved and its effective date is clear.Personal Medicare guidance
Review your Medigap switching questions
Have your current policy letter and timing questions ready. Confirm replacement coverage before canceling a policy.
Ask a Medicare question.
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FAQ
Frequently asked Medicare questions
Browse all Medicare FAQsWhat is California's Medigap Birthday Rule?
California provides a 60-day open enrollment period beginning on your birthday to move to a Medicare Supplement policy with equal or fewer benefits without medical screening or a new waiting period.
Is the birthday rule the same as fall Medicare Open Enrollment?
This is separate from fall Medicare Open Enrollment. Medicare Advantage coverage alone does not qualify you for the Medigap birthday rule.
Can I use the Birthday Rule to move to any Medigap plan?
Not necessarily. The new policy generally must provide benefits equal to or less than your current Medigap policy. Compare the plan letter, benefits, premium, household discounts, and carrier service before applying.
Are there other times when a Medigap policy may be guaranteed issue?
Yes. Federal or California protections may apply after certain coverage losses or plan changes. The available plans and deadlines depend on the event, so keep every notice and review your circumstances before the enrollment window closes.
Medicare disclosure
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