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Medigap plans for California residence
Old 01-12-2020, 07:56 AM   #1
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Medigap plans for California residence

I still have 9 months to do my research. Right now, I am looking at Medigap plans instead of MA in my area.

California has birthday rule.
"The California “Birthday Rule” allows folks who have a Medicare Supplement plan to change to a different plan of equal or lesser benefit, 30 days before and after their birthday, without being subject to medical underwriting."

It appears that I can call around agencies and sign up with the lowest cost of Plan G from any of the Attained Age pricing, Issue age pricing, or Community pricing companies. Each year during my birthday month, I can check on all those companies again and pick another cheaper Plan G.

Is this the strategy for those in California with Medigap?
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Old 01-12-2020, 06:30 PM   #2
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Also live in Calif. Have AARP (United Health Care) Gap Policy. Just used the "Birthday"
rule. Changed from Plan F to Plan G. Stayed with UHC. Called in on 12/30/1999. Made the change, effective on 01/01/2020. Yep, it does work. No underwriting.
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