Birthday Rule

Oregon Medigap Guaranteed Issue Birthday Rule

Medicare beneficiaries have a yearly opportunity to compare Medicare supplement prices and switch companies. They must keep the same plan type or choose one with lesser benefits. For example, a Plan F enrollee can switch to any 2010 Medicare Supplement Plan A - N, except for an Innovative Plan F).

Medicare supplement plans (also called Medigaps) help cover the "gaps" in insurance that Original Medicare (Parts A and B) do not cover. The plans are named by letter, Plan A through Plan N. The plan benefits are standardized, meaning Plan A benefits are exactly the same from company to another.

This rule is a response to frequent consumer complaints of being locked into plans with large annual increases. Here are some facts about how this works: