Medicare & Senior InsuranceQuestion 216 of 716
Under California's Medigap birthday rule, an existing policyholder may switch to:
a.Any Medigap plan sold in the state, including richer ones, but only once in a lifetime and only from the original carrier
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 but only after the new carrier completes medical underwriting
d.A Medicare Advantage plan only, in a window that opens each year on the birthday and closes when Part B is next billed
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 §10192.11This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
Practice all 716 questions free — no signup required.
Own the complete California Life & Health Insurance Producer Exam guide — PDF + EPUB, $19.99 →
Related questions on this topic
- How many standardized Medigap plan letters exist under federal law?
- Which Medigap plan is no longer available to people first eligible for Medicare on or after January 1, 2020?
- How long is the federal Medigap Open Enrollment Period during which guaranteed-issue applies?
- Before meeting a 70-year-old prospect in their home to discuss life insurance or annuities, a California agent must:
- How many days is the free-look period for individual life insurance and annuity contracts sold to a buyer age 65 or older in California?
- An agent invites seniors to a free lunch advertised as an educational seminar but plans to deliver a sales pitch for indexed annuities. Under California law this is:
Last reviewed: · editorial process
PrepPass team · 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)