Oklahoma's Medicare Supplement birthday rule

Since September 1, 2023, Oklahoma rule OAC 365:10-5-129(f) gives people who already have a Medicare Supplement a yearly chance to change plans without medical underwriting.

How it works

• The window is 60 days, starting on your birthday. Your birthday is day one.
• You can move to a supplement with equal or lesser benefits, from the same company or a different one. For example, Plan G to Plan G, or Plan G to Plan N.
• The new company must waive medical underwriting and pre-existing condition exclusions.
• You must not have had a gap in Medicare Supplement coverage of more than 90 days.
• Moving to a plan with more benefits may still require health questions.
• The rule applies to Medicare Supplement plans only, not Medicare Advantage.

Keep your current policy until your new one is in place, so you don't have a lapse.

Sources: Oklahoma Insurance Department, Medicare Supplement Open Enrollment FAQs; OID Bulletin No. 10-2023 (Revised). The OID Medicare Assistance Program (800-763-2828) can also help.

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