The California Birthday Rule
A yearly opportunity for California Medicare Supplement policyholders to switch policies without answering health questions.
How it works
Each year, a 60-day window begins on your birthday.
Switch to a Medigap policy with the same or fewer benefits, from the same or a different company.
The insurer can’t deny the new policy or price it based on your health.
Who it applies to
- California residents who already have a Medicare Supplement (Medigap) policy.
- It does not apply to Medicare Advantage plans or Part D plans.
- It is set by California law (Insurance Code section 10192.11).
Important limitations
- You can only move to a plan with equal or lesser benefits — not to a plan with more benefits.
- Outside protected windows, insurers may ask health questions.
- Never cancel your current policy until the new one is approved.
Your first and broadest opportunity to buy Medigap is the six-month Medigap Open Enrollment Period that starts when you’re 65 or older and enrolled in Part B. Learn about Medigap.
Source: California Department of Insurance — Medicare Supplement insurance.
Have Questions About Your Coverage?
Talk with Scott about your situation. There’s no obligation, and you can also get information on all of your options from Medicare.gov or 1-800-MEDICARE.