By D. Kenton Henry – editor, agent, broker
12 March 2026

Good news for Indiana Medicare Supplement policyholders.

A recent update to Indiana’s new Medicare Supplement Birthday Rule has expanded the period during which eligible individuals may change their Medigap coverage without medical underwriting.

This change may reopen opportunities for some individuals who believed they had already missed their window.

HOT OFF THE PRESS

What Changed?

Beginning March 15, 2026, the Birthday Rule now allows policyholders to apply for a replacement Medicare Supplement policy during a period that begins:

31 days before their birthday and continues through 31 days after their birthday.

This creates a 63-day annual window centered around a person’s birthday.

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What This Means

If you currently have a Medicare Supplement (Medigap) policy, you may now apply during this window to switch to the same plan letter offered by a different insurance company.

The insurance company must approve the application regardless of health conditions, provided the rule’s requirements are met.

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Example

If your birthday is March 4, your Birthday Rule window would run from approximately:

February 1 through April 4

This means individuals with March birthdays who thought they missed the opportunity earlier this year may still qualify to apply.

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Important Requirements

To use Indiana’s Birthday Rule:

• You must currently have a Medicare Supplement policy
• The new policy must be the same plan letter as your current coverage
• The application must be submitted within the 31 days before or after your birthday
• The new policy will take effect on the first day of the month following the application date

Your broker will also need documentation confirming your current plan letter.

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Why This Matters

For many seniors, this rule creates an opportunity to:

• Review Medicare Supplement premiums
• Change insurance companies
• Potentially lower monthly costs

— without answering health questions or risking denial of coverage.

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Need Help Reviewing Your Options?

If your birthday falls within this window and you would like to see whether switching carriers might benefit you, I would be happy to help review your options.

D. Kenton Henry
Office: 281-3676565
Text my cell 24/7 @713-907-7984
Email: Allplanhealthinsurance.com

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