The Insurance Agent’s Quick Guide to Medicare Supplement Birthday Rule States

Have a client that wants to switch Med Supp plans? If they live in a Med Supp birthday rule state, it might be easier than you think! Learn more about the states and their rules in this ASG Podcast episode.   Read the text version   🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!   📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 8 Strategies to Prevent Rapid Disenrollments from Medicare Plans 2016 vs. 2026: The Insurance Edition A Comprehensive Guide to Medicare Supplement Underwriting CMS 2027 MA & Part D Advance Notice Medicare Advantage Trial Rights Explained for Agents   References: “10 Things You Should Know About Buying a Medigap policy in Utah.” Insurance.utah.gov, Utah Insurance Department, https://insurance.utah.gov/consumers/health-insurance/medicare/. Accessed 2 Feb. 2026. “AB 250 Medicare Supplement “Birthday Rule” Nevada.” Doi.nv.gov, Nevada Department of Insurance, https://doi.nv.gov/uploadedFiles/doi.nv.gov/Content/Insurers/Life_and_Health/AB%20250%20Guidance.pdf. Accessed 2 Feb. 2026. “California Med Supp Birthday Rule.” Insurance.ca.gov, California Department of Insurance, https://www.insurance.ca.gov/0150-seniors/0100alerts/SA-01-10B.cfm. Accessed 2 Feb. 2026. “Can I change my Medigap policy?” Medicare.gov, Medicare, https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy/change-policies. Accessed 2 Feb. 2026. “Compare Medigap Plan Benefits.” Medicare.gov, Medicare, https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits. Accessed 2 Feb. 2026. “Delaware Med Supp Birthday Rule.” Legis.deleware.gov, Delaware General Assembly, https://legis.delaware.gov/BillDetail/141935. Accessed 2 Feb. 2026. “Expert: More Medicare plan options available to seniors.” Wyomingnews.com, Wyoming Tribune Eagle, 13 Aug. 2025, https://www.wyomingnews.com/news/local_news/expert-more-medicare-plan-options-available-to-seniors/article_da163542-25c0-49c9-8683-a8e81332c1d7.html. “Idaho Recent Changes to Medicare Supplement Law and Rules.” Doi.idaho.gov, Idaho Department of Insurance, https://doi.idaho.gov/shiba/new-to-medicare/medicare-supplement-medigap/recent-changes-to-medicare-supplement-law-and-rules/. Accessed 2 Feb. 2026. Haass, David. “Illinois Birthday Rule for Medicare Supplement Plans.” Medicarefaq.com, Medicare FAQ, https://www.medicarefaq.com/blog/illinois-birthday-rule/. Accessed 2 Feb. 2026. “Indiana Med Supp Birthday Rule.” Indianahousedemocrats.org, Indiana House Democratic Caucus, https://www.indianahousedemocrats.org/news/dant-chesser-bill-to-create-options-for-medicare-supplement-insurance-heads-to-the-senate. Accessed 2 Feb. 2026. “Kentucky Medicare Supplement Update Consumer Alert.” Insurance.ky.gov, Kentucky Department of Insurance, https://insurance.ky.gov/ppc/Documents/2024.01.24%20Medicare%20Supplement%20Enrollment%20Changes.pdf. Accessed 2 Feb. 2026. “Maryland Law Allows for an Additional Open Enrollment Period for Medicare Supplement Policies.” Insurance.maryland.gov, Maryland Insurance Administration, https://insurance.maryland.gov/Consumer/Documents/publications/ConsumerAdvisory-Maryland-law-allows-for-an-additional-Open-Enrollment-Period-for-Medicare-Supplement-Policies.pdf. Accessed 2 Feb. 2026. “Medicare Plan G – Part G.” boomerbenefits.com, Boomer Benefits, https://boomerbenefits.com/medicare-supplemental-insurance/medicare-supplement-plans/medicare-plan-g/. Accessed 2 Feb. 2026. “Medigap Birthday Rule States.” Boomerbenefits.com, Boomer Benefits, https://boomerbenefits.com/which-states-have-a-medigap-birthday-rule/. Accessed 2 Feb. 2026 “Medigap Open Enrollment Period.” Medicare.gov, Medicare, https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy. Accessed 2 Feb. 2026. LaPick, Micheal. “Medicare Birthday Rules by State (2025): Switch Without Underwriting.” Medicareguide.com, Medicare Guide, 30 Sep. 2025, https://medicareguide.com/medigap-birthday-rules-2025. “Oklahoma New Medicare Supplement Open Enrollment FAQs.” Oid.ok.gov, Oklahoma Insurance Department, https://www.oid.ok.gov/medicare-supplement-open-enrollment-faqs/. Accessed 2 Feb. 2026. Llopis, Bere. “Rhode Island Medigap AEP Update: Switch Your Plan Without Health Questions.” Senior65.com, Senior 65, 02 Dec. 2025, https://www.senior65.com/medicare/article/rhode-island-medigap-aep. Feke, Tanya, M.D. “The ‘birthday rule’: a gift to Medigap enrollees?” medicareresources.org, Medicare Resources, https://www.medicareresources.org/medicare-eligibility-and-enrollment/the-birthday-rule-a-gift-to-medigap-enrollees/. Accessed 2 Feb. 2026. “Virginia’s Medigap ‘Birthday Rule’ Annual Open Enrollment.” Scc.virginia.gov, State Corporation Commission, https://www.scc.virginia.gov/media/sccvirginiagov-home/consumer-home/insurance/life-amp-health/senior-resources/medigap-birthday-rule.pdf. Accessed 2 Feb. 2026.  When can you switch Medigap plans (Oregon)” shiba.oregon.gov, Department of Consumer and Business Services, https://shiba.oregon.gov/Documents/4845-ins-birthday-rule-2023.pdf. Accessed 2 Feb. 2026.   Follow Us on Social! 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