Page 2 - Medigap premium comparisons for Mr. Michael Johnson

insurers not only face less competitive pressure there. Also, most people never switch plans,
even in the face of rising premiums.

You might ask your State Farm agent if you can switch now from Plan F to Plan G, assuming you
choose to do that. But it’s likely that you will have to wait until the 60-day period following your
birthday next year before you can switch.

California’s Birthday Rule says that you can either switch your current Medigap plan to another
company or you can switch to a less comprehensive plan with any company, including your
current insurer. But you cannot use the Birthday Rule to upgrade to a more comprehensive,
e.g., from Plan G to Plan F. If you switch to Plan G, then, you will not be able go back to Plan F
without being asked questions about your health and having to disclose pre-existing conditions.

Sincerely,

David Armes, CFP®

NOTE: The premiums shown in the appendices should be reasonably accurate, but a few
premiums may be out of date or may not include agents’ commissions (in the case of CSG
Actuarial). So be sure to get a current quote before deciding whether to switch or stay put.

Appendices
WDA:12115

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