Anniversary Rule (Medigap)
Missouri's annual guaranteed-issue Medigap switching window tied to policy anniversary.
Quick definition: Missouri's annual guaranteed-issue Medigap switching window tied to policy anniversary.
Full explanation
Missouri's Anniversary Rule lets you switch to an equal-benefit Medigap policy from any carrier in the 30 days surrounding your existing policy's anniversary date, without medical underwriting. Washington and a few other states have similar but less generous rules. The Anniversary Rule lets MO enrollees re-shop their Medigap carrier annually as rates increase, without health-questionnaire risk.
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