California has a Medicare rule most residents have never heard of — and it could save you hundreds per year. Here's what you need to know before your next birthday.
Every year around your birthday, you can switch Medigap plans — no health questions asked. A 60-day window to potentially save hundreds.
Kaiser Medicare Advantage is not the same as employer Kaiser. Network, benefits, and cost structure all change when you transition.
Tech retirees often face Medicare surcharges from RSU vests or liquidity events. Many don't know these can be appealed.
Who we help in California
You're already on a California Medigap plan and paying more than you need to. Your annual Birthday Rule window lets you switch without medical underwriting.
Check my windowYou've been with Kaiser Permanente for decades. Medicare changes everything about how Kaiser works. Let's figure out whether to stay or move.
Understand my optionsStock compensation, RSU vests, or a large liquidity event may have triggered Medicare surcharges you don't know about — and may be able to appeal.
Check my IRMAA exposureYou're approaching Medicare eligibility. Between Kaiser, Medigap, and California's unique Birthday Rule, there's a lot to get right — starting now.
Start my enrollmentBefore you decide
Your 60-day Birthday Rule window opens and closes every year. If you're on a Medigap plan with a higher premium than you need, you may be leaving hundreds of dollars on the table annually.
Kaiser Permanente offers a Medicare Advantage plan — but it's not the same as your employer Kaiser plan. Network, benefits, and cost structure all change.
An RSU vest, property sale, or large RMD from two years ago may be driving today's surcharges. If your income has dropped since then, you can appeal.
Tell us your birthday and we'll check whether your window is open — and how to use it. No obligation — we'll tell you honestly if your current plan is already the right one.
Check My Birthday Window