Birthday rule
California Medigap guide
California Medigap 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 offers certain Medigap protections, including a birthday rule for many current policyholders. The exact rule and timing matter before you make a change.
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?
If you already have Medigap coverage, California generally gives you 60 days after your birthday each year to change to a Medigap policy with equal or fewer benefits without medical screening or a new waiting period. Confirm the current eligibility and effective-date rules before replacing coverage.
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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