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Possible topics include:
- Eligibility
- When to switch plans
- Understanding Medicare Part D
- The California Birthday Rule
- Medicare Basics
- How to pick a plan
{ 2 comments… read them below or add one }
Can you explain the Birthday rule to me?? If my mother turns 65 June 2011 she can apply 3 months before and three months after but when would the benefits take effect?
Hi Julie,
The Birthday Rule is a bit different from the rules you described.
The Birthday Rule is for California residents only. It allows an existing Medicare beneficiary with a Medicare Supplement plan to change to an equal or lesser plan with no underwriting. The timeframe to switch plans begins on their birthday, and lasts for 30 days.
The purpose of this is to give Medicare enrollees an opportunity to shop around for better prices without being subject to health questions and underwriting.
The rules you mentioned perfectly describe the Initial Enrollment Period, when you first become eligible for Medicare. This enrollment period includes the 3 months before the birthday month, the month she turns 65, and three months after, for a total of 7 months.
If your mom signed up within the three months before turning 65, the benefits would take effect on the 1st day of the birthday month, June for her. If she signed up during or after the birthday month, benefits take effect on the first of the following month.
I hope that helps. Thanks for stopping by!