Turning 65–75 in Illinois? Your Birthday Just Got You a Medicare Advantage

If you’re between the ages of 65 and 75 and enrolled in a Medigap (Medicare Supplement) plan, your birthday isn’t just a celebration—it’s also an opportunity to save money on your healthcare coverage.

What’s the Illinois Medicare Birthday Rule?

Illinois offers a special 45-day window starting on your birthday that allows you to switch Medicare Supplement aka Medigap plans without any medical underwriting—no health questions, no denial due to pre-existing conditions.

This means if your current plan has gotten expensive, or you’re simply looking for better value, you can switch to another Medigap plan with the same or fewer benefits, regardless of your health status.

Who Qualifies?

• Current Medicare Supplement enrollees
• Ages 65 to 75
• Must switch to a plan of equal or lesser benefit level
• Typically must stay with the same insurance company or its affiliate

Why Use It?

• Lower your monthly premium
• Move out of a closed risk pool
• Avoid being stuck with rate hikes
• Maintain coverage while improving affordability

How It Works:

1. Your 45-day window starts on your birthday
2. Compare same-level or lower Medigap plans
3. Apply within the 45-day period for guaranteed approval

Real-World Example:

A client turning 70 was paying too much for Plan F. During their birthday window, they switched to Plan G—saving hundreds a year—without a single health question.

---

Don’t miss this once-a-year opportunity
If your birthday is coming up and you want to explore your Medigap options, reach out now. We’ll help you compare plans and make the most of your guaranteed issue window.

---