Can I qualify for a Medicare Supplement Plan in Indiana without any medical questions?

Yes.

Beginning January 1, 2026, the Indiana Department of Insurance (DOI) will require all Medicare Supplement (Medigap) insurance carriers to offer a new Guaranteed Issue (GI) right known as the Birthday Rule.

This rule applies to all Indiana Medicare Supplement policyholders aged 65 and older. It allows them to change Medigap carriers each year—without underwriting—during a special 60-day period following their birthday.

Medicare Plan Quotes

Key Details

• Applies to all Medigap insurance companies, not just specific carriers. 
• Applies to members age 65 and older who already have a Medicare Supplement plan. 
• Members  have 60 days after their birthday to apply for the same plan type with a different carrier. 
• The change is Guaranteed Issue (GI) — no medical underwriting or health questions. 

• The member must remain in the same plan letter (A, B, G, N, etc.); switching to a different plan type still requires underwriting.

   

FAQs

Q1. When does the Birthday Rule take effect?

The Birthday Rule becomes effective January 1, 2026. Any Indiana resident with an active Medicare Supplement policy may use this rule starting on or after that date.

Q2. How long do members have to apply under the Birthday Rule?

Medicare Supplement members have 60 days after their birthday to submit an application to change carriers. The application must be received within that window.

Q3. Can members change their plan type (e.g., from Plan G to Plan N)?

No. The Birthday Rule only allows the member to change carriers, not plan types.

If a member wants to change to a different plan letter, they must complete medical underwriting and be accepted based on health history.

Q4. What if I currently have Plan G with one company and want to switch to another carrier’s Plan G?

Yes — that’s exactly what the Birthday Rule allows.

They may apply with the new carrier for the same plan letter (Plan G) within 60 days after their birthday, and the new insurer must accept them regardless of health conditions.

Q5. How do you apply?

The application should indicate “Guaranteed Issue – Birthday Rule” as the qualifying reason. The carrier’s application or e-app will include a corresponding GI Option #9 (updated in late 2025). Documentation of the current plan and carrier may be required.

Q6. What if the member misses the 60-day window?

If the member does not apply within 60 days after their birthday, they must wait until their next birthday to use the rule again, or apply for a change through standard underwritten enrollment.

Q7. Does this affect Medicare Advantage or prescription drug plans (Part D)?

No. This rule applies only to Medicare Supplement (Medigap) plans.