Q1: What are the three Medigap pricing methods in California?

A1: California uses Community-Rated, Issue-Age-Rated, and Attained-Age-Rated pricing for Medigap plans.

Q2: Does Medigap cost more as you get older in California?

A2: It depends on your pricing type. Only Attained-Age-Rated plans increase premiums based on age; the other two do not.

Q3: What is California’s Medigap Birthday Rule?

A3: The Birthday Rule gives you a 60-day window each year—starting on your birthday—to switch Medigap plans without medical underwriting.

Q4: Which Medigap pricing is cheapest long-term in California?

A4: Issue-Age-Rated or Community-Rated plans usually save more over time because they don’t raise rates just due to aging.