Kansas pays normal commission rate on U65.
INA commision vs ACE
- Thread starter Millwood
- Start date
Kansas pays normal commission rate on U65.
- 31,466
Sounds like it's state specific.
- Thread starter
- #13
Kansas legislature looks out for policyholders.
KS vs OK
Losing Medicaid GI is for supplement same as losing group.
KS return of unearned premium upon death OK up to individual company. Of
KS vs OK
Losing Medicaid GI is for supplement same as losing group.
KS return of unearned premium upon death OK up to individual company. Of
Good catch on OK Birthday Rule was going by what Ritter told me this morning before I got schedules
- Thread starter
- #14
Doesn't Kansas require every plan to be offered for disability open enrollment?
Yes, that is correct
To qualify for a "birthday rule" plan change, you need to already be enrolled in a Medigap plan.
- California: You have 60 days from the first day of your birth month to change to another Medigap plan with the same level or a lower level of benefits. You can also change insurance carriers during this time. This is an updated birthday rule that took effect on January 1, 2020. Prior to that the special enrollment period was only 30 days long.
- Idaho: You have 63 days from your birthday to change to another Medigap plan with the same level or a lower level of benefits. You can also change insurance carriers. This birthday rule starts on March 1, 2022.
- Illinois: You have 45 days from your birthday to change to another Medigap plan with the same level or a lower level of benefits. This only applies to plans with your current insurance carrier pr an affiliate of your current insurer (the addition of affiliate insurers was due to legislation that Illinois enacted in 2024).1 To qualify for this birthday rule, you must be 65 to 75 years old. This birthday rule took effect on January 1, 2022.
- Maryland: You have 30 days from your birthday to switch to another Medigap plan with equal or lesser benefits than your current Medigap plan. This birthday rule took effect on July 1, 2023.
- Oregon: You have 30 days from the first day of your birth month to change to another Medigap plan with the same level or a lower level of benefits. You can also change insurance carriers. This birthday rule took effect on January 1, 2013.
- Nevada: You have 60 days from the first day of your birth month to change to another Medigap plan with the same level or a lower level of benefits. You can also change insurance carriers. This birthday rule took effect on January 1, 2022.
- Louisiana: You have 63 days from the date of your birthday to select a different Medigap plan with equal or lesser benefits. This only applies to plans with your current insurance carrier (or affiliates of your current insurer, under legislation that was enacted in 2023).
- Oklahoma: You have 60 days from the date of your birthday to select a different Medigap plan with equal or lesser benefits, as long as you haven't had a cover. Oklahoma's birthday rule is considered the minimum acceptable compliance with the state's requirement that Medigap enrollees be allowed to switch to a plan with equal or lesser benefits as long as they haven't had a gap in coverage of more than 90 days.2
- Kentucky: Legislation enacted in 20233 allows a Medigap enrollee to switch to another insurer's Medigap policy (same benefits as the plan they already have) within 60 days of their birthday. This birthday rule took effect on January 1, 2024.
- Utah: (Effective May 7, 2025) Legislation enacted in Utah in 2025 gives enrollees a 60-day annual window to switch to a plan of equal or lesser benefits without medical underwriting, but only if the plan is offered by the enrollee's current insurer.4 So this does not give enrollees guaranteed issue access to policies offered by a different insurance company.
- Virginia: (Effective July 1, 20255) Legislation enacted in 2025 creates a birthday rule enrollment window that allows Medigap enrollees to switch to any other insurer's version of the policy they already have (so for example, if they have plan G, they could switch to Plan G offered by a different insurer), without medical underwriting.6 Earlier versions of the legislation would have also allowed people to downgrade to a plan with lesser benefits, but that was not part of the final legislation.
- Indiana: (Effective Jan. 1, 2026) Legislation enacted in Indiana in April 2025 creates a birthday rule enrollment window, starting in Jan. 2026, that will allow Medigap enrollees to switch to any other insurer's version of the policy they already have.7
The 'birthday rule': a gift to Medigap enrollees? | medicareresources.org
Medigap plan changes are limited, but 11 states offer Medigap enrollees special enrollment – and five do it with a 'birthday rule.'
www.medicareresources.org
- 7,449
Doesn't Missouri have something similar to a birthday rule?
Medicare bro
Guru
- 585
They have an anniversary rule. 1 month before your enrollment anniversary month of and 1 month after to switch to another company with no underwriting questions. What's crazy is most carriers pay a pretty decent commission. I've been using Cigna a lot and they pay 15% on this business.
Yeah, they have the anniversary rule.
Amarillo Agent
New Member
I noticed that too Millwood. I am personally on ACE Medicare, Plan G. The new rates for INA vs. ACE is 50% higher if I took out the same plan I did 3 months ago. I believe on the BD rule from 65-79 comp is 11% on all years, no reduction in comp after year 6 in Oklahoma. I'm starting my 43 year in the business, I'm concerned med supps will go the way of the dinosaur at some point in the not to distant future.
