{"id":29,"date":"2026-04-11T03:36:08","date_gmt":"2026-04-11T03:36:08","guid":{"rendered":"https:\/\/test2.mloun.site\/?page_id=29"},"modified":"2026-04-12T02:49:17","modified_gmt":"2026-04-12T02:49:17","slug":"faq","status":"publish","type":"page","link":"https:\/\/yourcityinsurance.com\/zh\/faq\/","title":{"rendered":"\u5e38\u89c1\u95ee\u9898\u89e3\u7b54"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"29\" class=\"elementor elementor-29\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"wd-negative-gap elementor-element elementor-element-5d125be e-flex e-con-boxed e-con e-parent\" data-id=\"5d125be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0d51663 elementor-widget elementor-widget-wd_accordion\" data-id=\"0d51663\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wd_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<div class=\"wd-accordion wd-style-shadow wd-titles-left wd-opener-pos-left wd-opener-style-arrow\" data-state=\"first\">\n\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"wd-accordion-item\">\n\t\t\t\t\t<div class=\"wd-accordion-title wd-role-btn wd-active\" data-accordion-index=\"0\" tabindex=\"0\">\n\t\t\t\t\t\t<div class=\"wd-accordion-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\tQ1: What are the three Medigap pricing methods in California?\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"wd-accordion-opener\"><\/span>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"wd-accordion-content wd-entry-content wd-active\" data-accordion-index=\"0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<p>A1: California uses Community-Rated, Issue-Age-Rated, and Attained-Age-Rated pricing for Medigap plans.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"wd-accordion-item\">\n\t\t\t\t\t<div class=\"wd-accordion-title wd-role-btn\" data-accordion-index=\"1\" tabindex=\"0\">\n\t\t\t\t\t\t<div class=\"wd-accordion-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\tQ2: Does Medigap cost more as you get older in California?\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"wd-accordion-opener\"><\/span>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"wd-accordion-content wd-entry-content\" data-accordion-index=\"1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<p>A2: It depends on your pricing type. Only Attained-Age-Rated plans increase premiums based on age; the other two do not.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"wd-accordion-item\">\n\t\t\t\t\t<div class=\"wd-accordion-title wd-role-btn\" data-accordion-index=\"2\" tabindex=\"0\">\n\t\t\t\t\t\t<div class=\"wd-accordion-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\tQ3: What is California\u2019s Medigap Birthday Rule?\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"wd-accordion-opener\"><\/span>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"wd-accordion-content wd-entry-content\" data-accordion-index=\"2\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<p>A3: The Birthday Rule gives you a 60-day window each year\u2014starting on your birthday\u2014to switch Medigap plans without medical underwriting.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"wd-accordion-item\">\n\t\t\t\t\t<div class=\"wd-accordion-title wd-role-btn\" data-accordion-index=\"3\" tabindex=\"0\">\n\t\t\t\t\t\t<div class=\"wd-accordion-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\tQ4: Which Medigap pricing is cheapest long-term in California?\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"wd-accordion-opener\"><\/span>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"wd-accordion-content wd-entry-content\" data-accordion-index=\"3\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<p><strong>A4:<\/strong> Issue-Age-Rated or Community-Rated plans usually save more over time because they don\u2019t raise rates just due to aging.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>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<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_analysis_target_kw":"","footnotes":""},"class_list":["post-29","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/pages\/29","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/comments?post=29"}],"version-history":[{"count":5,"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/pages\/29\/revisions"}],"predecessor-version":[{"id":395,"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/pages\/29\/revisions\/395"}],"wp:attachment":[{"href":"https:\/\/yourcityinsurance.com\/zh\/wp-json\/wp\/v2\/media?parent=29"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}