Switch Supplement Plans with the Medicare Birthday Rule 🥳

Marvin Musick explains the important Medicare 'Birthday Rule' that allows beneficiaries in certain states to switch their Medicare Supplement Plan (Medigap) plans without medical underwriting around their birthday.

Marvin will tell you which states allow these changes and what you can do to implement them.

#medicare #medicareschool #marvinmusick #medicaresupplement

[MedicareSchool]

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[cindypatrick]

Thank you for answering my question about my husband who is on plan F and being in a birthday rule state as of this year being able to switch to a plan G if his plans premium increases too much.Appreciate your educating us about Medicare and thus keeping us well informed 😁 9:56

[MaryCrivello-nj]

Thank you for your very comprehensive explanation.

[alan]

I always appreciate your informative postings. They are extremely helpful.

[autryld]

Do you have a video about switching to or from Advantage plans to or from Supplemental?

[jenniferr]

How long do you have to live in a Birthday Rule state for these rules to apply?

[mojo]

Well, looks like I’ll be staying with my N plan (now preferring the G plan) which is okay with me. Just knowing that I can make the switch during my birthday month without med underwriting resulting in a likely decrease in monthly payments works for me. Thanks for all your great recommendations!!

[timpaes]

What happens when moving to one of the states that don't have any of these special rules? If I'm in California on a G plan and moving to a state without one of these special rules, would I have to go through underwriting to get a G plan in the new state? What would happen if I had a condition that was deniable for a G coverage plan?

[MikeCrowe-sl]

Do some companies have rules for covering existing conditions after switch ? There may be waiting periods of 6 months or more ?

[zoamball]

I have a question. So if I live in Oregon for 1 month and the other 11 months in Arizona will the Birthday Rule still be able to be applicable within that year no matter which of these 2 states I'm in?

[gruvonya]

Thanks for teaching I turn 65 June 16 th trying to figure out what to do. I have Medicaid in Illinois now and they want me to reapply
Can I have both?
New subscriber today
Randy

[mojo]

For Maryland Birthday Rule, can you go from an N plan to a G plan? I can't wait to price comparison shop since I will not have to go through supplemental underwriting again (pre-existing condition) and will probably save money on the new policy since I needn't disclose medical issues. I did not know about the birthday rule until two months ago when a Medicare School staffer told me about it.

[EdSexton-uhbl]

I have been offered a Medicare plus plan by my employer, it is a second payer policy, if I select it, how will it effect my birthday rule in the state of Missouri?

[buddyb]

Ok, a pretty general (typical) layman's question on initial timing . . . I'm just turning 65, so I need to register for Medicare "A" (+/- 3 month of my birth month) to not incure any future penalties. But I expect to continue to work at my current (BIG) employer into the next year, to meet certain anniversary dates. My employer has fairly complete insurance coverage, so I would expect them to remain as my primary insurance for that duration. (Or would Medicare A become the primary, and then my employer insurance become my secondary/supplemental?) My understanding is that I can then put off signing up for Medicare "B" until like 8 months after I lose my employer Insurance, (outside of an enrollment period) as long as I am covered by their plan in the interim. So 1) is that true/correct; that there is no requirement/benefit/penalty avoidance to applying for the B and suppliment plans at a much later date than when I registered for the A plan? As a side issue, should one apply for the B plan coverage (since I will already be registered for A) somewhat prior to actual retirement to minimize a potential coverage gap? Also, if I decide to work for several more years, would that increased time between signing up for B after A cause any concern/penalty for doing that? And then 2) same consideration for signing up for a Medicare suppliment? I would think that the Medicare Advantage plans would set there acceptance/premiums at the time you apply; might that need to be considered? I.e. I register for A at 65y0m, and I work to 66y0m, I then apply for B and G coverage. Would I suffer any penalties for that? Thanks. (I am still looking through your other presantations so these might have already been covered.)

[TheAcruz]

Question, if a person(D.O.B: 7/18/1957) got their Part A 12/01/2022 & Part B 02/01/2024 and signed up to a MAPD already can they switch to a MedSupp without medical underwriting being that it’s within the 6 months of their part B still?

[MrTechBenchEI]

If i move from Florida to NY can I switch from my Advantage Plan to Supplemental G Plan with NO Medical Underwriting?

[adimeatatime]

Can taking FMLA (and paying to keep insurance coverage on a group plan with 20+ employees) interfere with signing up for any part of Medicare after age 65?

[SMeyer-ux]

Is sleep apnea a deal breaker in medical underwriting?

[suemilkbone]

Marvin, every year more and more states have these guaranteed policies. Are you aware of any new states enacting one of these guaranteed policies for 2025?

[wcottee]

Actually the fourth would be "A" only??? Do people take this route? Especially since the premium for "B" come out of their SS check.