Birthday Rule in Oregon

The birthday rule in Oregon applies to Medigap plans. Medigap is a Medicare Supplement plan that helps to cover certain out-of-pocket expenses that are not covered under Medicare Part A and Part B.

There are many ways in which the birthday rule can help you, depending on your plan, healthcare needs, and other available plans.

The Birthday Rule

Like we have said previously, Medigap plans can help to cover the gaps in Original Medicare coverage, which in turn, can help reduce the out-of-pocket costs you pay. But, there are certain rules that guide Medigap coverage. For example, you cannot enroll in a Medicare Supplement plan if you are currently enrolled in a Part C plan. Another rule is the birthday rule for people who reside in Oregon. 

The birthday rule states that you can get a 30-day window to change your Medigap plan every year on your birthday. This rule, however, has certain guidelines. For example, you have to keep the same type of Medicare Supplement plan or choose a plan with fewer benefits when taking advantage of this period. This is because the ultimate goal of the birthday rule is to find a company that will provide you with better deals and costs for the coverage you need.

Another great feature of this birthday rule is no medical underwriting is required. This means the insurer cannot reject your application based on your health status. 

The birthday rule in Oregon provides an opportunity to find better deals. You can switch to a plan with cheaper premiums but with the same benefits. If you are unhappy with your Medigap plan or your insurer, the birthday rule gives you the opportunity to change providers.

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Guidelines

There are certain rules that guide the birthday rule, though. For example, the new Medigap coverage will begin on the first of the month after the application date. But, until the new plan is issued, you may not cancel your current supplement policy.

Overall, the birthday rule in Oregon provides an opportunity to find better deals. You can switch to a plan with cheaper premiums but with the same benefits. And, if you are unhappy with your Medigap plan or your insurer, the birthday rule gives you the opportunity to change providers. For additional information on the birthday rule, contact Scott Sims Insurance at (541) 915-0939.