Nevada Birthday Rule
The Medicare Rule That Started With One Conversation.
When I lived in California, I regularly used California’s Medicare Supplement Birthday Rule to help eligible clients review their coverage and, when appropriate, change companies without medical underwriting.
After moving to Nevada in 2016, I discovered Nevada consumers didn’t have the same opportunity.
A friend was paying substantially more for his Medicare Supplement than comparable coverage could cost elsewhere, yet health underwriting limited his ability to change. I thought Nevada seniors deserved another option.
So I Asked a Legislator to Listen
I contacted a local Nevada assemblywoman, explained the problem, and discussed how a Birthday Rule could give Medicare Supplement policyholders more choices. Legislation followed and Nevada ultimately adopted a Medicare Supplement Birthday Rule.
DEVELOPER NOTE: Rick may provide the bill number for a single factual line if desired. Verify final statutory description and current eligibility/window before publication.
Why It Matters
Medicare Supplement premiums can increase significantly. A Birthday Rule can give eligible policyholders a recurring opportunity to review available coverage under the rules in effect at that time.
That doesn’t mean changing every year. It means having a choice.
The point isn’t to move a policy. The point is to make sure a client isn’t overpaying simply because health has taken away their options.
Let's Review Your Options
If you’re a Nevada Medicare Supplement policyholder approaching your birthday, I can help you review the current rules, compare available options, and determine whether staying or changing makes more sense.