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Committee approves 'birthday rule' to let Medigap enrollees change same-letter plans without underwriting once a year
Summary
The Insurance Committee passed House Bill 12-26, a bill to allow Medicare supplement (Medigap) enrollees to switch laterally among same-letter supplement plans within a 60-day window around their birthday (the so-called 'birthday rule'), limited to age 65+ by amendment. Supporters said the rule can produce substantial premium savings for seniors.
House Bill 12-26, sponsored by Representative Dan Chesser, would allow Hoosiers enrolled in Medicare supplement (Medigap) coverage to change laterally among the same lettered supplement plans without medical underwriting during a 60‑day window around their birthday, provided the person meets the bill’s eligibility tests. The committee adopted a technical amendment clarifying the measure applies to people aged 65 and older and voted 10-0 to pass the bill.
Chesser said the change would create a cost-saving opportunity for seniors who elected to remain in…
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