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What Is the Medicare Birthday Rule in Nevada?

Birthday stock image
By Daniel Petkevich
Mar 28, 2023

Blow out the candles and check out this unique opportunity

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.

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What is the Medicare Birthday Rule?

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

to switch between Supplement plans of equal or lesser coverage is available to Medicare recipients in any of those states. You cannot switch from Supplement plans to Advantage plans or vice versa. Illinois has a restriction where it’s only available from your 65th to 75th birthday. And in Illinois and Louisiana, you can only switch to Medicare Supplement plans offered by the same insurance plan provider. For the rest of the states, there are no such restrictions. You can change your Medicare Supplement in Nevada to suit your needs.

How does the Medicare Birthday Rule work in Nevada?

Nevada’s Medicare Supplement

Birthday Rule lets Medicare beneficiaries change their plans for a 61-day period around their birthday. The window begins on the first day of your birthday month and continues for at least 60 days after. 
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. 

Steps to take advantage of the Medicare Birthday Rule in Nevada

  1. 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).
  2. 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.
  3. Research your options:

    Speak with a licensed insurance agent at Fair Square

    to research available Medicare Advantage or Prescription Drug plans in your area.
  4. 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).
  5. 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.
  6. 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

before you switch: You have 30 days to decide to stick with your new Medicare Supplement policy. This is called your "free look period." The free look period starts when you get your new Supplement plan and lasts for 30 days. If you take your free look period, you'll need to pay both premiums for your new and old plan for one month.
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.

Recap

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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Join the Fair Square Medicare Newsletter to stay informed on cost savings, changes to Medicare, and other valuable healthcare information.

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Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2022 Help Button Inc

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