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August 11, 2026Forbes “The 5 Best Medicare Supplement Companies” WRONG AGAIN!
August 11, 2026I recently helped a couple save $353 a month — $21,000 over 5 years — simply by switching their Medicare Supplement plan during their Birthday Rule window. No health questions. No medical underwriting. Guaranteed issue.
But here’s the part that stopped me in my tracks…
What if they invested every dollar of that savings into a dividend ETF like SCHD? Here’s what the math looks like:
📈 After 3 years of investing: ~$15,324
💰 After 10 years (no new contributions): ~$34,100 — paying $97/month in dividends
🏛️ If their children inherit it and just leave it alone:
→ Year 20: ~$105,800 — $300/month in dividends
→ Year 30: ~$328,100 — $930/month in dividends
→ Year 40: Over $1,000,000 — nearly $2,900/month in dividends
From a Medicare Supplement review. That’s generational wealth — built from money that used to go straight to an insurance company.
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🎂 WHAT IS THE BIRTHDAY RULE?
The Birthday Rule is a state law that gives Medicare Supplement policyholders an annual window around their birthday to switch Medigap plans — GUARANTEED, regardless of health conditions. No underwriting. No denial. No higher rates due to pre-existing conditions.
States with a Birthday Rule (as of 2026):
California · Oregon · Idaho · Illinois · Louisiana · Maryland · Nevada · Oklahoma · Kentucky · Utah · Virginia · Indiana · Wyoming · Delaware · Rhode Island · New Mexico
© How I Saved My Clients $21,000! | 2026| The Medicare Analyst™ | All Rights Reserved
