347 N. Pottstown Pike, Suite 200 | Exton, PA 19341

Medicare Supplement State Exceptions

Special Guaranteed Issue Rules By State 

CA: Birthday Rule
  • For 60 days after one’s Birthday you may change from your current Medicare Supplement Plan to a another Medicare Supplement plan of equal or lesser benefits with any carrier. 
  • Your chosen plan will begin the first of the ensuing month.
  • Request to change cannot be made until the policyholder’s exact birthday. 
  • Carriers will require proof of current Medicare Supplement Insurance Plan in force policy.
CT: Year Round
  • Guaranteed Issue to all Medicare Supplement Plan letters and carriers regardless of current coverage. 
  • If changing from Medicare Advantage (MAPD), must wait until the Annual Enrollment Period unless you have a valid Special Enrollment Period to leave your MAPD. 
 MA: Annual
  • Guaranteed Issue from 02/01 to 03/31 each year for those who missed their Open Enrollment Period or to change Medicare Supplement Insurance Plan letter or carrier. One cannot use this to change from Medicare Advantage Plan (MAPD) to a Medicare Supplement Insurance Plan. 
  • Carrier can elect to begin new policy as late as 06/01.
ME: Several Options 
  • All carriers must offer Guaranteed Issue to Medicare Supplement Insurance Plan A for everyone regardless of current coverage either year round or annually for 30 day period (this period can differ from carrier to carrier).
  • As long as one has not had more than a 90 day gap in their Medicare Supplement Insurance Plan coverage, they will have Guaranteed Issue to change to a different Medicare Supplement Insurance Plan of equal or lesser benefits with any carrier. 
  • Also offers Guarantee Issue into a Medicare Supplement Insurance Plan within 90 days of losing individual Affordable Care Act plan. 
MO:  Anniversary Rule
  • For 30 days before or after your current Medicare Supplement Insurance Plan’s policy anniversary can change to the same Medicare Supplement Insurance Plan letter with another carrier 
  • Your chosen plan will begin the first of the ensuing month. 
  • You cannot chose a different Plan letter. 
  • Carriers will require proof of current Medicare Supplement Insurance Plan in force policy.
NY: Year Round
  • Guaranteed Issue to all Medicare Supplement Plan letters and carriers regardless of current coverage. 
  • If changing from Medicare Advantage (MAPD), must wait the until Annual Enrollment Period unless you have a valid Special Enrollment Period to leave leave your MAPD. 
OR: Birthday Rule
  • For 30 days before and after your EXACT birthday, you may change from your current Medicare Supplement Insurance Plan to another Medicare Supplement Insurance Plan of equal or lesser benefits with any carrier. 
  • Your chosen plan will begin the first of the ensuing month  
  • Carriers will require proof of current Medicare Supplement Insurance Plan in force policy. 
WA: Year Round
  • Guaranteed Issue is available as long as you have not had a lapse in your current Medicare Supplement Insurance Plan policy longer than 90 days. 
  • Policyholders with Plan A can only change to another Plan A with any carrier.
  • All other policyholders can change to any other Medicare Supplement Insurance Plan letter or carrier.
  • Carriers will require proof of current Medicare Supplement Insurance Plan in force policy.  

Both MN and WI have considered passing GI laws for MS policy holders but legislation has failed.  

Visit the following pages for more information on plan options

 

Medicare Supplement Plan Options

Medicare Advantage Plan Options