Special enrollment on your birthday
On your birthday, you can change Medi Gap plans, guaranteed issue!
Blue Shield Authorized Agent -
No extra charge to you -
Click to learn more and enroll online
An individual shall be entitled to an annual open enrollment period lasting 30 days or more, commencing with the individual’s birthday, during which time that person may purchase any Medicare supplement policy that offers benefits equal to or lesser than those provided by the previous coverage.
Thus, if your looking to go from F to Blue Cross Innovative F or Blue Shield Plan F Extra, those are BETTER – more than equal plans and it’s not guaranteed issue. You would have to pass underwriting. If you can’t pass underwriting one would still be able to use the Birthday Rule GI right for plan A, F, G or N.
During this open enrollment period, no issuer that falls under this provision shall deny or condition the issuance or effectiveness of Medicare supplement coverage, nor discriminate in the pricing of coverage, because of health status, claims experience, receipt of health care, or medical condition of the individual if, at the time of the open enrollment period, the individual is covered under another Medicare supplement policy or contract.
An issuer shall notify a policyholder of his or her rights under this subdivision at least 30 and no more than 60 days before the beginning of the open enrollment period., CA Insurance Code §10192.11 (h) (1)