You don’t need an excuse to celebrate your birthday, but did you know that residents of the Silver State now have more reasons to celebrate? Since the beginning of 2022, Nevada has become one of the states that honor the Birthday Rule of Medicare. This rule gives residents more opportunities to change their Medicare Supplement plan around their birthday. How might this affect you? Let’s find out.
The Birthday Rule of Medicare is a pretty simple one. It allows you to change your Medicare plan around your birthday each year. You can switch between plans of equal or lesser coverage without going through Medical Underwriting. Medical Underwriting is when insurance companies scrutinize your health history, which could lead to increased rates and, in some cases, prohibit you from joining a specific plan.
Different states have slightly different variations of the Birthday Rule. California and Oregon were the first states to implement the Birthday Rule, but now residents of the following states have it: Nevada, Illinois, Idaho, and Louisiana.
This enrollment window
Nevada’s Medicare Supplement
Your current Medicare Supplement plan provider must notify you at least 30 days (but not more than 60 days) before the beginning of this enrollment period. This notification must let you know of your rights to enroll in the plan and your given timeframe to make a potential switch.
If you’re interested in reading more about the specific details of the Birthday Rule in Nevada, you can check it out here
The primary benefit of using the open enrollment window during your birthday is that you don’t have to go through Medical Underwriting, which offers a barrier to beneficiaries in other states. You can be more vigilant about finding the best deal for you. You should not feel trapped in one plan that you no longer want.
Determine your eligibility: To use the Medicare Birthday Rule, you must be enrolled in a Medicare Supplement plan, and you must be within the enrollment period (beginning the first day of your birth month, lasting at least 60 days from there).
Review your current coverage: Before making any changes, review your current Medicare Supplement plan to assess whether it still meets your needs and fits in your budget.
Research your options: Speak with a licensed insurance agent at Fair Square
Compare plans: Compare the benefits, costs, and coverage of the available plans to determine which plan best fits your needs (we can help you with that, too).
Enroll in a new plan: During the enrollment period around your birthday, you can enroll in a new Medicare Supplement plan (of equal or lesser coverage). We can help you enroll in your new plan. You can also do research through the Medicare Plan Finder tool.
Cancel your old plan: Call your insurance company and ask to end your coverage. The insurance company can tell you how to submit a request to end your coverage.
Here are some tips from Medicare.gov
Be careful before you cancel your first Supplement plan. It might be wise to make sure you prefer your new policy. Otherwise, it could be a long year before you may switch. On the application for the new Medicare Supplement plan, you'll have to promise that you'll cancel your first policy.
As a quick recap of the Nevada Medicare Birthday Rule, you can switch Medicare Supplement plans around your birthday. Understanding this rule could help you save money on your Medicare premiums and find the best plan for you. If you are interested in switching or learning what might be your best-fit option, call a Medicare expert at Fair Square. Give us a call at 888-376-2028.
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