Medicare Enrollment Protection Act of 2025
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Progress
Where this bill stands in the legislative process.
- Introduced
- Passed House
- Passed Senate
- To President
- Became Law
Overview
The Medicare Enrollment Protection Act of 2025 creates a special enrollment period for Medicare Part B coverage for individuals who are currently enrolled in COBRA continuation coverage. This period would last for the duration of their COBRA coverage and three months after it ends, allowing them to enroll in Medicare once during their lifetime. The bill also clarifies coverage periods and addresses coordination of benefits with other insurance plans, particularly ERISA and the Public Health Service Act, to ensure COBRA coverage isn't reduced or terminated due to Medicare eligibility.
Key provisions
- Establishes a special enrollment period for Medicare Part B for individuals on COBRA.
- The special enrollment period lasts for the duration of COBRA coverage plus three months after it ends.
- Defines ‘COBRA continuation coverage’ to include various types of continuation plans.
- Clarifies coverage periods for individuals enrolling in Medicare.
- Addresses coordination of benefits between COBRA and Medicare, specifically ERISA, the PHSA, and the IRC.
- Requires updates to COBRA notification materials to explain Medicare secondary payer rules.
- Specifies that an individual can only enroll during the special enrollment period once.
Who is affected
- Individuals enrolled in COBRA continuation coverage
- Medicare beneficiaries
- Employers offering COBRA coverage
- Insurance companies providing COBRA and Medicare coverage
Bill text
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