Maryland gives Medigap policyholders 30 days during their birthday month to switch plans without medical underwriting. You can change to any carrier and any plan letter with equal or lesser benefits. No health questions are asked during this window. Your new coverage begins the first of the following month.
What Is the Maryland Medicare Supplement Birthday Rule?
The Maryland Medicare Supplement Birthday Rule is a consumer protection that allows Medicare beneficiaries to change their Medigap insurance plans once per calendar year without undergoing medical underwriting or health screening. This guarantee issue right applies during your birthday month and the 63 days following it, giving you a protected window to switch coverage.
Key Takeaways
- Maryland Medicare Supplement Birthday Rule allows you to switch plans once per year without medical underwriting during your birthday month
- You have 63 days from your birthday to change Medigap plans under this guarantee issue right
- The Birthday Rule protects you from health-based denials and premium increases when switching plans
- Not all Medigap insurers participate in Maryland Birthday Rule, so verify your carrier beforehand
How Does the Birthday Rule Work?
Under the Birthday Rule, insurance companies cannot deny your application, charge you more, or exclude pre-existing conditions when you switch Medigap plans during your eligibility window. This means you are guaranteed acceptance regardless of your health status, making it an excellent opportunity to find more affordable or comprehensive coverage.
Eligibility Requirements
To use the Birthday Rule in Maryland, you must have been continuously enrolled in a Medicare Supplement plan for at least 12 months. You must also be a Maryland resident and maintain your Medicare Part A and Part B coverage. The rule applies regardless of your current health status or age.
| Timeline | Action | Details |
|---|---|---|
| Birthday month | Begin plan search | Research available Medigap plans in Maryland |
| Within 63 days after birthday | Submit application | Apply to your chosen insurance carrier |
| Coverage effective date | New plan begins | Your new Medigap coverage becomes active |
| Before deadline expires | Cancel old plan | Notify your current insurer of cancellation |
How to Switch Plans Under Birthday Rule
Start by comparing available Medigap plans online or contacting insurers directly during your birthday month. Review plan benefits, premiums, and deductibles. Once you select a new plan, submit your application within the 63-day window. After your new coverage is approved and becomes effective, cancel your previous plan to avoid duplicate premiums.
Plan Comparison Tip
For 2026, Medicare Part A deductible is 1,676 and Part B deductible is 257. Compare how different Medigap plans cover these costs before switching during your Birthday Rule window.
Important Deadlines and Timeframes
Your Birthday Rule window is 63 days from your birthday. Do not miss this deadline, as you will lose your guarantee issue rights for that year. Mark your calendar and plan ahead. If you miss the deadline, you may face medical underwriting, denials, or higher premiums when applying for a new plan.
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