Oregon Birthday Rule
The birthday rule in Oregon means that for Medigap Plans only, your annual open enrollment period lasts 60 days, beginning 30 days before your birthday and ending 30 days after your birthday. During this time, you can replace your Medigap Plan (also known as a Medicare Supplement Plan) with a plan of equal or lesser benefits without Medical Underwriting.
For example, this means you can move from a Plan F to a Plan G or from a Plan G to a Plan N. However, you could not move from a Plan N to a Plan G since a Plan G offers more coverage.
As a reminder, a Medigap Plan 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.
The Oregon Birthday Rule does not apply to Medicare Advantage Plans or Prescription Drug Plans.
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 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.
