New Virginia Law Makes It Easier to Switch Medicare Supplement Plans – Thanks to the Birthday Rule! Exciting news for Virginia Medicare beneficiaries. A brand-new law was just signed that gives you more freedom and flexibility with your Medicare Supplement (Medigap) plan.
What Happened?
- Signed into Law: March 24, 2025
- Effective Date: July 1, 2025
This new law introduces something called the “Birthday Rule,” and it’s going to make it much easier for you to shop around for a better Medicare Supplement plan—without worrying about your health history.
What Is the Birthday Rule?
Starting July 1, 2025, if you have a Medicare Supplement (Medigap) policy in Virginia, you’ll have a 60-day window each year starting on your birthday to switch to a different Medigap plan with equal or lesser benefits—no health questions asked.
That means:
- No medical underwriting
- No denial for preexisting conditions
- No rate hikes based on health
At-a-Glance: How It Works
| Feature | Before July 1, 2025 | After July 1, 2025 |
|---|---|---|
| When can you switch plans? | Anytime—but may be underwritten | 60-day window starting on your birthday |
| Health questions required? | Yes, in most cases | No during birthday window |
| Can be denied coverage? | Yes, based on health conditions | No, if switching to equal or lesser plan |
| Who can use the rule? | Not available | All Medigap enrollees in Virginia |
What This Means for You
If your Medigap premium is getting too high or you’re unhappy with your current insurer, this new law gives you a chance every year to switch—hassle-free. You don’t have to worry about being turned down or charged more because of a health issue.
This could be especially helpful if:
- Your rates have increased
- You want a different insurance company
- You’d like to shop for better service or savings
For Example:
Let’s say your birthday is August 10. Starting in 2025, you’ll have from August 10 to October 9 to switch your Medicare Supplement plan to another one with the same or fewer benefits—no health questions asked! You could move from one Plan G to another Plan G with a different company—or even drop to a Plan N if that fits your budget.
Have Questions? Let’s Talk!
If you’re wondering how this new law could help you lower your Medigap premiums or explore better options, I’m here to help.
Call Maria Williams at ITK Insurance: 757-933-3688
Let’s make the most of your Medicare coverage—together.