Maryland gives existing Medigap policyholders a specific birthday switching protection. It can help you replace coverage without medical underwriting, but the application timing and benefit comparison matter. It is not an unrestricted right to buy any supplement at any time.
How Maryland's birthday window works
You may apply on your birthday or during the following 30 days for another Medigap policy with equal or lesser benefits. The application must be submitted within that window; processing can finish afterward. The protection allows a change of insurer, not just a change within your current company.
Check the actual benefits. A higher premium does not mean stronger coverage. Standard and high-deductible versions also differ; the state specifically explains that a high-deductible Plan G replacement must remain high-deductible Plan G for this comparison.
Prepare before your birthday
| Document | Purpose |
|---|---|
| Current policy | Establishes existing benefits. |
| Replacement outline | Shows whether benefits qualify. |
| Written quote | Confirms premium and discounts. |
| Application receipt | Records timely submission. |
First-time enrollment is different
The usual federal Medigap Open Enrollment Period begins when you are at least 65 and have Part B. Other protected coverage changes may create guaranteed-issue rights. Maryland's birthday rule is for existing supplement coverage; it does not automatically permit someone with Medicare Advantage to enter Medigap without health questions.
Coordinate the replacement
Ask the new insurer to confirm eligibility, acceptance and the effective date before canceling the old policy. Compare any remaining deductible and expenses, and keep both companies' notices.
The Maryland Insurance Administration publishes birthday-rule guidance and consumer assistance resources. Use those documents when an application is rejected or the benefit comparison is unclear. A sales conversation alone does not replace written confirmation of your coverage.
Related coverage questions
- How to Compare Medigap Policies
- Medigap Guaranteed Issue Rights: Eligibility, Deadlines and Proof
- UnitedHealthcare Medigap Rate Increases: How to Review Your Notice