Medicare & Senior InsuranceQuestion 216 of 315
Under California's Medigap birthday rule, an existing policyholder may switch to:
a.Any Medigap plan, but only once in a lifetime
b.A Medigap plan of equal or lesser benefits, every year around their birthday, without underwriting
c.Any Medigap plan, including more generous ones, every year with underwriting
d.A Medicare Advantage plan only, every year
Explanation
The California birthday rule lets an existing Medigap policyholder switch each year, in a window beginning on the birthday, to a Medigap plan of equal or lesser benefits from any carrier, with no medical underwriting.
Law Reference: Cal. Ins. Code §10192.11Practice all 315 questions free — no signup required.
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Sen Lin, PrepPass Founder · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)