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New Illinois Medicare Supplement Annual Open Enrollment Period: No Health Questions Required!

Starting January 1, 2022, if you are a resident of Illinois and are between the ages of 65 and 75, you may have a new annual open enrollment period when you can change your Medicare Supplement coverage without having to answer health questions. Schedule Your FREE, No Obligation Medicare Plan Consultation: 877-312-1414 https://app.bcmwi.com/schedule 🛠️ Free Resources: Welcome to Medicare Checklist: https://bcmwi.kartra.com/page/checklist Confused about your Medicare coverage options? Watch our free video at https://app.bcmwi.com/​ How to Find the Best Medicare Coverage Without Paying More Than You Need To... 🛠️ The new Illinois Medicare Supplement Annual Open Enrollment Period is called the Birthday Rule: https://trackbill.com/bill/illinois-s... Here’s how it works: You have to live in Illinois. You have to be between age 65 and 75. If you meet both of those qualifications, you may have a Medicare Supplement open enrollment period every year that lasts 45 days with the first day being your birthday. During that time you can change your Medigap coverage with no underwriting and no health questions. There are some restrictions on the changes your are allowed to make. 1. You have to move from higher coverage to lesser coverage. So if you have a Medicare Supplement Plan F, you can move to a G, an N, any plan with less coverage than F. Same for G, N, and any other Medicare Supplement. If you have a High Deductible Plan G, there isn’t any plan with less coverage, so this open enrollment wouldn’t be able to be used. You can’t move from less coverage to more coverage. So if you have a high deductible F or G or a Medigap Plan N, for example, you can’t purchase a standard G, without having to go through underwriting with health questions. 2. You have to stay with the same insurance company. This open enrollment period does not allow you to change Medicare Supplement companies. Only to change plans within the same company. This is an important restriction. If you purchased your current Medigap plan from a subsidiary company of a very large insurer, and that subsidiary is no longer accepting new Medicare Supplement applications in Illinois, then you can’t use this open enrollment period. If you qualify, your current Medigap company will notify you at least 30 days before your open enrollment period begins. What will this new law do to Medicare Supplement rates? In other states with broad Medigap open enrollment periods, rates for most Medicare Supplement policies are extremely expensive. It’s too soon to tell what will happen to IL rates. Because the IL Birthday Rule limits changes to moving from higher to lesser coverage and staying with the same insurance company, hopefully, this will not have an adverse effect on rates for everyone with a Medicare Supplement in IL. If you have questions about your Medicare Supplement coverage, or any other Medicare questions, please feel free to give our office a call at 877-312-1414 or visit https://www.bcmwi.com We’re here to keep you up to date on your Medicare options, so you can find the best plan for your unique situation. #IllinoisMedicare #IllinoisMedigap #IllinoisMedicareSupplement 0:00 New IL Medigap Annual Open Enrollment Period 0:35 New IL Medigap Annual Open Enrollment Period Explained 0:49 Qualifications 1:18 Restrictions 3:28 How Will This Affect Rates? 4:02 Have Questions? We Can Help!