Are you paying too much for your Medigap plan in Virginia? If you live in Virginia, there’s a special law called the Birthday Rule that could save you hundreds of dollars a year — without giving up your coverage. Most people have never heard of the rule.
At NoteTerra Capital, we specialize in helping people achieve health and wealth. In this article, we’re going to explain exactly what the Virginia Birthday Rule is, how it works, why it matters, and how you can use it to save money on your Medigap plan.
What Is the Birthday Rule?
According to the Virginia State Corporation Commission, the Birthday Rule which went into effect July 1, 2025. It allows people who already have a Medicare Supplement — also called a Medigap plan — to switch to another company’s plan with the same without answering health questions.
That means no underwriting, no medical exams, no worrying about pre-existing conditions.
The only requirement? You have to make the switch during your birthday window — a set period of time around your birthday each year.
Here’s How It Actually Works in Practice
(1) Every year, starting on your birthday, you get a 60-day window where you can switch your Medigap plan.
(2) You can switch to any company’s plan that offers the same coverage level.
(3) Example: If you currently have Plan G, you can switch to another Plan G with a lower premium.
And the best part?
You can do this every single year. It’s like getting a rate check-up built into the law.
Now, why is this important? Because Medigap premiums go up over time.
Insurance companies know that people are less likely to shop around, so many people end up staying with the same company for year and years— and paying way more than they should.
The Birthday Rule levels the playing field. It gives you the freedom to shop around each year, without being punished for health changes that might otherwise lock you into high premiums.
Let’s Give You a Quick Example
We worked with a Virginia resident, age 72, who had Plan G with one of the big carriers. Her premium was over $210 per month.
Using the Birthday Rule, we switched her to another highly rated company — exact same Plan G benefits — for $165 a month.
That’s a savings of $540 a year, with no change in coverage. Same doctors, same hospitals, same Medicare benefits… just lower cost.
So, Who Benefits the Most from This?
People with health conditions who thought they were stuck with their current plan because of underwriting.
Anyone 65 and older already on a Medigap plan.
People paying more than $150–$200/month for Plan G or Plan N.
If that sounds like you, the Birthday Rule could be your opportunity to put money back in your pocket every year.
Here’s What You Can Do Next
(1) Check Your Premium
If you’re paying more than $150/month, it’s worth comparing.
(2) Mark Your Birthday Month
That’s when your window opens.
(3) Talk to a Licensed Medicare Agent
That’s where we come in. We can review your current plan, shop the rates across top carriers, and show you if you can save — all at no cost.
Don’t let insurance companies quietly raise your rates year after year. Use the Virginia Birthday Rule to keep your Medigap premiums under control. If you’d like a free plan review, contact us.
