People who are on a Medicare supplement/medigap policy are able, under the birthday rule in California for individuals on a Medicare, to change their carrier to obtain a lower premium without undergoing health history underwriting. This option is available to Medicare supplement/medigap policy holders in the 30 days following their birthday to be effective the first of the following month. They can change from a like plan (Plan F to Plan F) or change to a plan “down” the letters of the alphabet (Plan F to Plan C) without health history underwriting. Depending on where you live and how old you are, you may be able to realize a cost savings. Check with your broker/agent to see if you should consider making a change.