Maryland now offers the Birthday rule to allow those with Medicare Supplement plans to switch without going through Medical underwriting. Effective July 1, 2023, The Maryland birthday rule now makes it easy for you to switch your current Medigap plan to a less expensive plan with a competitor regardless of your health condition.
What is the Maryland Birthday Rule?
The birthday rule is a state law that was passed by Maryland legislation that addresses one huge pain-point when it comes to Medigap: Switching plans.
Previously, if you lived in Maryland and had a Medigap plan, switching plans usually meant answering health questions and facing the possibility that you could be declined. See there is no annual open enrollment period for switching Medigap in most states. With this new Maryland Birthday Rule Law can now switch to a new Medigap plan with any carrier offering equal or lesser coverage as long as you do it around the time of your birthday. Dive into Our In-Depth Guide Covering the Medigap Birthday Rule in Each State.
If you don’t yet have Medicare Supplement Insurance or are exploring more options, you can read our comprehensive guide on Maryland Medigap Plans. If you need help, feel free to call us at 800-930-7956.
How can I use the Maryland Birthday Rule?
1) You must currently have a Medigap plan in MD to use the Maryland Birthday rule.
2) You can only switch to a Medigap plan with any carrier offering equal or lesser coverage.
3) You must switch within 30 days of your birthday.
That is it!
Next Steps with the Maryland Birthday Rule
Get an instant Medigap quote to see if competitors are selling your plan for less in Maryland. Then contact Senior65.com at 800-930-7956 as your birthday approaches. We can usually switch your plan right over the phone.