Medicare & Senior InsuranceQuestion 216 of 315
Under California's Medigap birthday rule, an existing policyholder may switch to:
a.Any Medigap plan, including more generous ones, every year with underwriting
b.A Medigap plan of equal or lesser benefits, every year around their birthday, without underwriting
c.A Medicare Advantage plan only, every year
d.Any Medigap plan, but only once in a lifetime
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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