Insurance: health insurers; prohibition on denying or conditioning coverage of a Medicare supplement policy; expand. Amends sec. 3829 of 1956 PA 218 (MCL 500.3829).
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Progress
Where this bill stands in the legislative process.
- Introduced
- Passed Senate
- Passed House
- To Governor
- Became Law
Overview
This bill expands protections for people purchasing Medicare supplement insurance in Michigan. It prohibits health insurers from denying or charging higher premiums based on an applicant’s health status, claims history, or medical conditions, unless certain specific circumstances apply. Specifically, it offers protections to those applying during a 6-month period after turning 65 or to non-age-eligible individuals in certain situations, and ensures that policies are offered without age-based discrimination and contain no waiting periods or limitations on preexisting conditions.
Key provisions
- Prohibits denial or premium increases based on health status, claims experience, or medical conditions for specific applicant groups.
- Provides protections for applicants during a 6-month period after turning 65.
- Extends protections to non-age-eligible individuals under certain conditions.
- Requires insurers to make Medicare supplement policies available to all qualified applicants.
- Limits premiums for applicants to those of a 65-year-old.
- Prohibits waiting periods or preexisting condition limitations in offered policies.
- Defines ‘creditable coverage’ to exclude certain types of insurance.
- Specifies how preexisting condition exclusions are handled based on the length of creditable coverage.
Who is affected
- Individuals purchasing Medicare supplement insurance
- Health insurers operating in Michigan
Bill text
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Document of record
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- Senate Introduced Bill
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