Illinois has a Medicare Supplement (Medigap) "birthday rule," but it is narrower than the one you may have read about in other states. In Illinois, only policyholders who are at least 65 but no more than 75 years old get a 45-day window each year, starting on their birthday, to switch without medical underwriting to an equal-or-lesser Medigap plan from the same insurer (or an affiliate authorized in Illinois). This guide explains exactly how the Illinois birthday rule works, who qualifies, how the standardized lettered plans fit together, which plans are closed to people new to Medicare, and who regulates Medigap in the state.Centers for Medicare & Medicaid Services. (n.d.). Getting Started with Medicare Supplement Insurance (CMS/Medicare.gov, publication 11575). medicare.gov. Retrieved Jul 22, 2026, from https://www.medicare.gov/publications/11575-Getting-Started-Medicare-Supplement-Insurance.pdf,Centers for Medicare & Medicaid Services. (n.d.). Compare Medigap Plan Benefits. medicare.gov. Retrieved Sep 28, 2026, from https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits
How Medigap works in Illinois
A Medigap policy is private insurance that pays the deductibles and coinsurance Original Medicare leaves to you. Medigap (Medicare Supplement Insurance) works only alongside Original Medicare, not with a Medicare Advantage plan, and each policy covers one person.Centers for Medicare & Medicaid Services. (n.d.). 12026 understanding medicare advantage plans. medicare.gov. Retrieved Sep 24, 2026, from https://www.medicare.gov/publications/12026-understanding-medicare-advantage-plans.pdf A married couple who both want coverage need two separate policies.Centers for Medicare & Medicaid Services. (n.d.). Compare Medigap Plan Benefits. medicare.gov. Retrieved Sep 28, 2026, from https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits
Illinois uses the federal standardized framework. Medigap is sold as lettered plans, A-D, F, G, and K-N, and the benefits inside each letter are fixed by federal rule. Plans E, H, I, and J are no longer sold, though anyone who already holds one can generally keep it.Centers for Medicare & Medicaid Services. (n.d.). Compare Medigap Plan Benefits. medicare.gov. Retrieved Sep 28, 2026, from https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits A Plan G from one Illinois insurer offers the same basic benefits as a Plan G from another. Insurers compete on price, service, and rate stability, not on what the plan pays. That makes the plan letter your first decision and the insurer your second.Centers for Medicare & Medicaid Services. (n.d.). Compare Medigap Plan Benefits. medicare.gov. Retrieved Sep 28, 2026, from https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits
The gaps Medigap closes are real. In 2026, after the Part B deductible of $283, Original Medicare pays 80% of the approved amount for most outpatient care and leaves you the other 20%, with no annual out-of-pocket cap. Part A adds a hospital deductible of $1,736 per benefit period in 2026, and that deductible can apply more than once in a year if you have separate hospital stays. Medigap caps that exposure.Centers for Medicare & Medicaid Services. (2026). 2026 Medicare Parts A & B Premiums and Deductibles. cms.gov. Retrieved Sep 4, 2026, from https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles
The Illinois birthday rule
Illinois gives Medigap policyholders an annual birthday rule, but its terms are specific. Under Illinois insurance law, 215 ILCS 5/363(8), a Medigap policyholder who is at least 65 but no more than 75 years old is entitled to a 45-day open enrollment period each year, beginning on their birthday, during which they may switch without medical underwriting to a Medigap policy of equal or lesser benefits offered by the same insurer or an affiliate authorized to transact business in Illinois. During this window, an insurer may not deny or condition the coverage, or discriminate in its pricing, because of your health status, claims experience, receipt of health care, or a medical condition.Centers for Medicare & Medicaid Services. (n.d.). Getting Started with Medicare Supplement Insurance (CMS/Medicare.gov, publication 11575). medicare.gov. Retrieved Jul 22, 2026, from https://www.medicare.gov/publications/11575-Getting-Started-Medicare-Supplement-Insurance.pdf
Compared with broader birthday rules in other states, Illinois adds two real limits. First, it is capped at ages 65 through 75, so a 78-year-old Illinois policyholder cannot use it. That age cap is unusual: California's birthday rule, for example, runs a 60-day window with no age limit stated by the state,Centers for Medicare & Medicaid Services. (n.d.). Get Medigap Basics - Medicare.gov. medicare.gov. Retrieved Oct 15, 2026, from https://www.medicare.gov/health-drug-plans/medigap/basics and California law lets the replacement policy come from the current insurer or a different one.California State Legislature. (n.d.). California Insurance Code § 10192.11 — California Legislative Information. leginfo.legislature.ca.gov. Retrieved Aug 7, 2026, from https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS§ionNum=10192.11 Second, the Illinois switch must stay with your current insurer or its affiliate; the rule does not let you move to an unrelated company without underwriting. Within those bounds, it is still a useful protection: if your insurer sells a less expensive equal-or-lesser plan, you can move into it once a year without proving you're healthy.Centers for Medicare & Medicaid Services. (n.d.). Get Medigap Basics - Medicare.gov. medicare.gov. Retrieved Oct 15, 2026, from https://www.medicare.gov/health-drug-plans/medigap/basics
The "equal or lesser benefits" limit is the key constraint. You can move sideways (Plan G to another Plan G the insurer offers) or down to a less generous letter (Plan G to Plan N), but the birthday rule does not let you move up to a more comprehensive plan. Outside a guaranteed-issue window, a move up is unprotected, so the insurer can use medical underwriting.Centers for Medicare & Medicaid Services. (n.d.). Getting Started with Medicare Supplement Insurance (CMS/Medicare.gov, publication 11575). medicare.gov. Retrieved Jul 22, 2026, from https://www.medicare.gov/publications/11575-Getting-Started-Medicare-Supplement-Insurance.pdf
How to use the Illinois birthday rule
The window is short and the terms are narrow, so plan ahead.
Confirm you qualify
You must be a current Medigap policyholder who is at least 65 but no more than 75. If you are older than 75, the birthday rule no longer applies to you.
Know your date
The 45-day window begins on your birthday. Ask your insurer in advance what equal-or-lesser plans it offers so you can act as soon as the window opens.
Stay with your insurer, go equal or lesser
Identify your current plan letter, then pick a same-insurer (or affiliate) policy of the same letter or a less comprehensive one. A Plan G holder can switch to another Plan G or down to Plan N from the same company.
Apply during the window
Submit the application within the 45 days and tell the insurer you are using Illinois's birthday rule. The insurer cannot apply medical underwriting to the switch.
Keep the old policy until the new one starts
Do not cancel existing coverage until the new policy is confirmed and in force, so you are never uninsured.
Because the benefits inside a letter are standardized, a same-letter switch changes your premium, not your basic benefits. If you move to a lesser letter, your cost-sharing changes to match that letter.Centers for Medicare & Medicaid Services. (n.d.). Getting Started with Medicare Supplement Insurance (CMS/Medicare.gov, publication 11575). medicare.gov. Retrieved Jul 22, 2026, from https://www.medicare.gov/publications/11575-Getting-Started-Medicare-Supplement-Insurance.pdf
Plan G and Plan N: the common choices
For someone newly eligible for Medicare, the practical choice in Illinois narrows to two plans.
Plan G is still available to people who became eligible on or after January 1, 2020, the date Plans C and F closed to the newly eligible.Centers for Medicare & Medicaid Services. (2026). Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare (CMS/NAIC, 2026) - Medicare.gov. medicare.gov. Retrieved Aug 22, 2026, from https://www.medicare.gov/publications/02110-medigap-guide-health-insurance.pdf It covers the same benefits as Plan F except the annual Part B deductible: the Part A hospital deductible, Part A and Part B coinsurance, skilled nursing facility coinsurance, and Part B excess charges. It also pays 80% of foreign travel emergency care, up to plan limits.Centers for Medicare & Medicaid Services. (2025). Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare (CMS/NAIC, 2025) - Medicare.gov. medicare.gov. Retrieved Aug 22, 2026, from https://www.medicare.gov/publications/02110-choosing-a-medigap-policy.pdf
Plan N covers the same major gaps but shifts a little cost back to you. It pays the Part B coinsurance in full except for a copay of up to $20 for some office visits and up to $50 for emergency-room visits that don't lead to an inpatient admission, and it does not cover Part B excess charges.Centers for Medicare & Medicaid Services. (n.d.). Compare Medigap Plan Benefits. medicare.gov. Retrieved Sep 28, 2026, from https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits Medicare says a Medigap premium varies based on which policy you buy, where you live, and other factors, so get real quotes for both letters before you decide whether Plan N's copays are worth it.Centers for Medicare & Medicaid Services. (2026). 2026 Medicare Parts A & B Premiums and Deductibles. cms.gov. Retrieved Sep 4, 2026, from https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles
| Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital deductible | Covered | Covered |
| Part B coinsurance | Covered in full | Covered, minus up to $20 office / $50 ER copays |
| Part B excess charges | Covered | Not covered |
| Annual Part B deductible ($283 in 2026) | You pay it | You pay it |
| Skilled nursing facility coinsurance | Covered | Covered |
If you could cover a large bill up front, ask about a high-deductible Plan G. It is offered in some states, and Illinois is one of them: high-deductible versions of both Plan F and Plan G are available here, though high-deductible Plan F is open only to people who can still buy Plan F.Centers for Medicare & Medicaid Services. (2025). Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare (CMS Product No. 02110). medicare.gov. Retrieved Jul 15, 2026, from https://www.medicare.gov/publications/02110-choosing-a-medigap-policy.pdf,Centers for Medicare & Medicaid Services. (n.d.). Compare Medigap Plan Benefits. medicare.gov. Retrieved Sep 28, 2026, from https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits It carries the same benefits as standard Plan G, but you pay Medicare-covered costs up to a deductible of $2,950 in 2026 before the policy pays anything, plus a separate $250-a-year deductible for foreign travel emergency care.Centers for Medicare & Medicaid Services. (n.d.). Compare Medigap Plan Benefits. medicare.gov. Retrieved Sep 28, 2026, from https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits
Plans C and F are closed if you became eligible for Medicare in 2020 or later
Plans C and F once covered the annual Part B deductible on top of the other gaps, which made Plan F the most complete plan on the market. Under the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA), any Medigap plan that pays the Part B deductible can't be sold to people new to Medicare on or after January 1, 2020. That is a two-part test: you count as new to Medicare only if you turned 65 on or after January 1, 2020 and also got Medicare Part A on or after that date.Centers for Medicare & Medicaid Services. (2026). Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare (CMS/NAIC, 2026) - Medicare.gov. medicare.gov. Retrieved Aug 22, 2026, from https://www.medicare.gov/publications/02110-medigap-guide-health-insurance.pdf,Centers for Medicare & Medicaid Services. (n.d.). Compare Medigap Plan Benefits. medicare.gov. Retrieved Sep 28, 2026, from https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits
The closure works by eligibility date, not purchase date. If you became eligible for Medicare before January 1, 2020, for example because you turned 65 before then but put off enrolling, or you had Medicare Part A before then because of a disability or End-Stage Renal Disease (ESRD), you may still be able to buy Plan C or Plan F in Illinois.Centers for Medicare & Medicaid Services. (n.d.). Compare Medigap Plan Benefits. medicare.gov. Retrieved Sep 28, 2026, from https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits Anyone who already holds one can keep it as long as they stay enrolled and pay the premium. If you are new to Medicare under that two-part test, those two plans are off the table, which is why Plan G has become the default top-tier choice for newer enrollees: it is identical to Plan F except that you pay the one Part B deductible yourself.Centers for Medicare & Medicaid Services. (2026). Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare (CMS/NAIC, 2026) - Medicare.gov. medicare.gov. Retrieved Aug 22, 2026, from https://www.medicare.gov/publications/02110-medigap-guide-health-insurance.pdf
When you can buy or switch in Illinois
Illinois gives you more than one protected window. These matter most.
- The federal Medigap Open Enrollment Period. This is a one-time, six-month window that begins the first month you are both age 65 or older and enrolled in Medicare Part B. During it, insurers must sell you any Medigap policy they offer regardless of your health, with no medical underwriting and no higher price because you have health problems. This is the single best time to buy, because you can choose any plan, including Plan G. One limit applies: the insurer can still make you wait up to 6 months for coverage of a pre-existing condition, unless you had at least 6 months of continuous prior creditable coverage.Centers for Medicare & Medicaid Services. (2025). Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare (CMS/NAIC, 2025) - Medicare.gov. medicare.gov. Retrieved Aug 22, 2026, from https://www.medicare.gov/publications/02110-choosing-a-medigap-policy.pdf
- Illinois's open enrollment for people under 65. If you're under 65 and on Medicare because of a disability, Illinois gives you the same Medigap open enrollment rights as people 65 and older. When you turn 65, you get another six-month open enrollment period based on age, which may lower your monthly premium.Centers for Medicare & Medicaid Services. (n.d.). Getting Started with Medicare Supplement Insurance (CMS/Medicare.gov, publication 11575). medicare.gov. Retrieved Jul 22, 2026, from https://www.medicare.gov/publications/11575-Getting-Started-Medicare-Supplement-Insurance.pdf
- The annual birthday rule. The 45-day window described above, repeating each year for policyholders ages 65 to 75, for switching to an equal-or-lesser plan from the same insurer or an affiliate with no underwriting.Centers for Medicare & Medicaid Services. (n.d.). Getting Started with Medicare Supplement Insurance (CMS/Medicare.gov, publication 11575). medicare.gov. Retrieved Jul 22, 2026, from https://www.medicare.gov/publications/11575-Getting-Started-Medicare-Supplement-Insurance.pdf
- Federal guaranteed-issue rights. Certain situations, such as the end of an employer or retiree plan that pays after Medicare, your Medicare Advantage plan leaving your area, or your Medigap insurer going bankrupt, give you a federal right to buy specific plans. In those situations the insurer must sell you a policy, cover all your pre-existing conditions, and not charge you more because of your health.Centers for Medicare & Medicaid Services. (n.d.). Get ready to buy. medicare.gov. Retrieved Jul 17, 2026, from https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy
The Illinois Department on Aging's 2026 Medicare Choices guide also lists one Medicare Supplement insurer, Blue Cross Blue Shield of Illinois, as a guarantee-issue company: it offers policies to anyone over 65 in any health condition, all year, at the same premium rate as others in the same policy class. Some of its plans still use underwriting, and the designation can change, so confirm the current year's guarantee-issue insurer and plan with the Illinois Department on Aging before relying on it.Centers for Medicare & Medicaid Services. (2025). Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare (CMS Product No. 02110). medicare.gov. Retrieved Jul 15, 2026, from https://www.medicare.gov/publications/02110-choosing-a-medigap-policy.pdf
Outside these windows you have no standing right to buy a Medigap policy, so an insurer can use your health to decide whether to sell you one and at what price.Centers for Medicare & Medicaid Services. (n.d.). Get ready to buy. medicare.gov. Retrieved Jul 17, 2026, from https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy That is why the choice between Plan G and Plan N is best made during your six-month open enrollment: the birthday rule won't cover a move up to a richer plan, and it ends at age 75, so underwriting could later make an upgrade expensive or impossible.
What Medigap costs and how it's priced in Illinois
Medigap premiums vary widely. Every policy with the same letter offers the same basic benefits regardless of the insurer, so you are comparing price, service, and rate stability, not coverage.Centers for Medicare & Medicaid Services. (n.d.). Compare Medigap Plan Benefits. medicare.gov. Retrieved Sep 28, 2026, from https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits What you pay is a different question: Medicare says a Medigap premium varies based on which policy you buy, where you live, and other factors, and that the amount can change each year.Centers for Medicare & Medicaid Services. (2026). 2026 Medicare Parts A & B Premiums and Deductibles. cms.gov. Retrieved Sep 4, 2026, from https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles CMS names some of those other factors: where you live, medical underwriting, and discounts, on top of the rating method the insurer uses.Centers for Medicare & Medicaid Services. (n.d.). CMS Pub. 02110 — Choosing a Medigap Policy (how insurance companies set prices). medicare.gov. Retrieved Oct 15, 2026, from https://www.medicare.gov/publications/02110-medigap-guide-health-insurance.pdf For what Illinois itself allows, check with the Illinois Department of Insurance or a free Illinois SHIP counselor rather than assuming the plan letter fixes your price.Administration for Community Living. (n.d.). Local Help Navigating Medicare (SHIP overview flyer) — Administration for Community Living. acl.gov. Retrieved Sep 27, 2026, from https://acl.gov/sites/default/files/programs/2022-06/SHIP_OverviewFlyer_Final.pdf
Insurers price a policy under one of three rating methods, which shapes how your premium changes as you age. Ask which method an insurer uses, not just the first-year premium:
- Community-rated (also called no-age-rated) policies generally charge everyone the same premium, regardless of age or gender. The premium can still go up because of inflation and other factors, just not because of your age.Centers for Medicare & Medicaid Services. (n.d.). CMS Pub. 02110 — Choosing a Medigap Policy (how insurance companies set prices). medicare.gov. Retrieved Oct 15, 2026, from https://www.medicare.gov/publications/02110-medigap-guide-health-insurance.pdf
- Issue-age-rated (also called entry-age-rated) policies base the premium on the age you are when you buy. It can go up because of inflation and other factors, but not because you enter an older age bracket.Centers for Medicare & Medicaid Services. (n.d.). CMS Pub. 02110 — Choosing a Medigap Policy (how insurance companies set prices). medicare.gov. Retrieved Oct 15, 2026, from https://www.medicare.gov/publications/02110-medigap-guide-health-insurance.pdf
- Attained-age-rated policies base the premium on your current age, so it goes up as you get older. These may be the least expensive at first, but they can eventually become the most expensive.Centers for Medicare & Medicaid Services. (n.d.). CMS Pub. 02110 — Choosing a Medigap Policy (how insurance companies set prices). medicare.gov. Retrieved Oct 15, 2026, from https://www.medicare.gov/publications/02110-medigap-guide-health-insurance.pdf
The Illinois birthday rule pairs only partially with cost control: it lets you move to a cheaper equal-or-lesser plan from the same insurer or an affiliate between ages 65 and 75, but it will not move you to an unrelated carrier or keep working after 75. Be clear about what that window does, too: it is a right to switch without medical underwriting, not a promise about the number on the quote, so price the actual policy before you apply.Centers for Medicare & Medicaid Services. (2026). 2026 Medicare Parts A & B Premiums and Deductibles. cms.gov. Retrieved Sep 4, 2026, from https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles For prescription drug coverage, look at a separate Medicare Part D plan.
Who regulates Medigap in Illinois
The Illinois Department of Insurance (IDOI) is the agency that signs off on anything beyond the standard plans. Every Medicare Supplement plan currently sold in the state must follow the standardized benefit structure, though an insurer may offer enhanced benefits on top of that structure if IDOI approves them.Centers for Medicare & Medicaid Services. (2025). Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare (CMS Product No. 02110). medicare.gov. Retrieved Jul 15, 2026, from https://www.medicare.gov/publications/02110-choosing-a-medigap-policy.pdf,Centers for Medicare & Medicaid Services. (n.d.). Getting Started with Medicare Supplement Insurance (CMS/Medicare.gov, publication 11575). medicare.gov. Retrieved Jul 22, 2026, from https://www.medicare.gov/publications/11575-Getting-Started-Medicare-Supplement-Insurance.pdf
Frequently Asked Questions
How does the Illinois birthday rule work?
Illinois gives Medigap policyholders who are at least 65 but no more than 75 a 45-day window each year, starting on their birthday, to switch to a Medigap policy of equal or lesser benefits from the same insurer or an affiliate authorized in Illinois, with no medical underwriting, under Illinois insurance law, 215 ILCS 5/363(8). The right ends after age 75 and does not allow switching to an unrelated company.Centers for Medicare & Medicaid Services. (n.d.). Getting Started with Medicare Supplement Insurance (CMS/Medicare.gov, publication 11575). medicare.gov. Retrieved Jul 22, 2026, from https://www.medicare.gov/publications/11575-Getting-Started-Medicare-Supplement-Insurance.pdf
Can I switch to a different insurance company during the Illinois birthday window?
No. The Illinois birthday rule only protects a switch to an equal-or-lesser plan offered by your current insurer or an affiliate of it authorized in Illinois. Moving to an unrelated company is not protected, so outside a guaranteed-issue window that insurer can use medical underwriting.Centers for Medicare & Medicaid Services. (n.d.). Getting Started with Medicare Supplement Insurance (CMS/Medicare.gov, publication 11575). medicare.gov. Retrieved Jul 22, 2026, from https://www.medicare.gov/publications/11575-Getting-Started-Medicare-Supplement-Insurance.pdf
Can I use the Illinois birthday rule to upgrade from Plan N to Plan G?
No. The birthday rule only lets you switch to a plan with equal or lesser benefits. Moving up to a more comprehensive plan, such as Plan N to Plan G, is not protected, so the insurer can use medical underwriting. To get Plan G without underwriting, choose it during your six-month open enrollment.Centers for Medicare & Medicaid Services. (n.d.). Getting Started with Medicare Supplement Insurance (CMS/Medicare.gov, publication 11575). medicare.gov. Retrieved Jul 22, 2026, from https://www.medicare.gov/publications/11575-Getting-Started-Medicare-Supplement-Insurance.pdf
Can I still buy Plan F in Illinois?
Possibly, if you first became eligible for Medicare before January 1, 2020, for example because you turned 65 before then but delayed enrolling, or had Medicare Part A before then because of a disability or ESRD. Plans C and F, which cover the Part B deductible, are closed under MACRA only to people new to Medicare: those who turned 65 on or after January 1, 2020 and also got Medicare Part A on or after that date.Centers for Medicare & Medicaid Services. (n.d.). Compare Medigap Plan Benefits. medicare.gov. Retrieved Sep 28, 2026, from https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits Plan G is the closest available alternative; it is identical to Plan F except that you pay the annual Part B deductible yourself.Centers for Medicare & Medicaid Services. (2026). Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare (CMS/NAIC, 2026) - Medicare.gov. medicare.gov. Retrieved Aug 22, 2026, from https://www.medicare.gov/publications/02110-medigap-guide-health-insurance.pdf
Who regulates Medigap in Illinois?
The Illinois Department of Insurance (IDOI) is the agency that approves anything beyond the standard plans. Plans sold in Illinois must follow the standardized benefit structure, and any enhanced benefits an insurer adds on top of it must be approved by IDOI.Centers for Medicare & Medicaid Services. (2025). Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare (CMS Product No. 02110). medicare.gov. Retrieved Jul 15, 2026, from https://www.medicare.gov/publications/02110-choosing-a-medigap-policy.pdf,Centers for Medicare & Medicaid Services. (n.d.). Getting Started with Medicare Supplement Insurance (CMS/Medicare.gov, publication 11575). medicare.gov. Retrieved Jul 22, 2026, from https://www.medicare.gov/publications/11575-Getting-Started-Medicare-Supplement-Insurance.pdf
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The information on Brevy.com is for educational purposes only and is not a substitute for professional legal, financial, or medical advice. Rules vary by state and program and change frequently. Always verify with the relevant agency or a qualified professional. Brevy is not a law firm, financial advisor, or healthcare provider.
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