What is the “Birthday rule” and how does it apply to the new Medigap policies?
If you already have a Medigap policy, you have the right to replace it without a health screening or a new waiting period for 30 days each year following your birthday. However, you are only entitled to a Medigap that has the same or less benefits than the Medigap plan you have now. For instance, if you have a Medigap Plan B you can replace it with another Plan B or Plan A, but you can’t move up to a Plan C or Plan F.
