Nevada has an annual birthday rule when Medicare Supplement policyholders can change their Medigap selection. The 60-day window opens on the first day of a beneficiary’s birthday month each year. During this time, if you already have a Medicare Supplement policy, you will have an opportunity to switch plans and/or carriers without answering underwritten health questions. Yet, you may only switch to a Medicare Supplement policy of equal or lesser coverage. You will need to answer underwriting health questions if you wish to switch Medicare Supplement plans in Nevada outside your birthday rule open enrollment window. Yet, in this case, pre-existing health conditions may prevent you from obtaining the coverage of your choice.