If you happen to live in Kentucky and have a Medicare Supplement Plan, I’ve got good news for you. There is a birthday rule in your state that allows you to change carriers to stay at a competitive rate regardless of your health.
What is the Kentucky Birthday Rule?
In 2023, the state of Kentucky passed a law that became effective on January 1st, 2025. This law allows residents with an existing Medicare Supplement Plan to change carriers without going through the usual health underwriting process. This means you can switch to a lower rate without having to answer any health questions, as long as you apply around your birthday.
How Does it Work?
The Kentucky Birthday Rule is a bit different from other states like California, Oregon, and Nevada that have similar rules. In Kentucky, you can only switch to the same plan you currently have. For example, if you have a Plan F with one company, you can move to Plan F with another carrier to take advantage of a lower rate. The same applies if you have a Plan G or Plan N.
The 60-Day Window
The application window for the Kentucky Birthday Rule starts on your birthday and lasts for 60 days. Some insurance companies allow you to submit your application 30 days before your birthday, while others require you to wait until your birthday to apply. It depends on the insurance company you choose.
Carrier Selection and Rate Locks
In Kentucky, there are over 30 different insurance companies offering Medicare Supplement Plans. Most of these carriers offer a 12-month rate lock. This means you won’t have to worry about rate increases for the first 12 months of your new policy. Every year around your birthday, we’ll reach out to you to let you know if there are lower rates available, allowing you to switch carriers without health underwriting and lock in a new rate for the next 12 months.
Easy Application Process
The application process using the Kentucky Birthday Rule is straightforward. We’ll help you submit an application, skip all the health questions, and provide proof of your current Medigap insurance. This usually involves a copy of your ID card and proof that your current policy is paid up to date.
Contact BlueWave Insurance
If you’re looking to shop rates or compare plans, give us a call at 800-208-4974. Our services are free, and we’ll be happy to help you find the best plan. We can shop for rates each year and keep you informed about any opportunities to switch to a lower rate.
Alex Wender is the founder and CEO of Bluewave Insurance. He has been blogging about Medicare-related topics since 2010. Since then, he and his agency have helped thousands of people across the country choose the right Medicare to fit their needs.
