Back to Illinois

HB4330 • 2026

INS CD-MEDICARE SUPP POLICIES

INS CD-MEDICARE SUPP POLICIES

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor
Martha Deuter
Last action
2026-03-27
Official status
Rule 19(a) / Re-referred to Rules Committee
Effective date
Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

INS CD-MEDICARE SUPP POLICIES

INS CD-MEDICARE SUPP POLICIES

What This Bill Does

  • INS CD-MEDICARE SUPP POLICIES

Limits and Unknowns

  • This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

  1. 2026-03-27 Illinois General Assembly

    Rule 19(a) / Re-referred to Rules Committee

  2. 2026-03-20 Illinois General Assembly

    To Insurance Main Subcommittee

  3. 2026-02-11 Illinois General Assembly

    Assigned to Insurance Committee

  4. 2026-01-14 Illinois General Assembly

    First Reading

  5. 2026-01-14 Illinois General Assembly

    Referred to Rules Committee

  6. 2026-01-07 Illinois General Assembly

    Filed with the Clerk by Rep. Martha Deuter

Official Summary Text

INS CD-MEDICARE SUPP POLICIES

Current Bill Text

Read the full stored bill text
Illinois General Assembly - Full Text of HB4330

Select Language

×

The Illinois General Assembly offers the Google Translate™ service for visitor convenience. In no way should it be considered accurate as to the translation of any content herein.

Visitors of the Illinois General Assembly website are encouraged to use other translation services available on the internet.

The English language version is always the official and authoritative version of this website.

NOTE: To return to the original English language version, select the "Show Original" button on the Google Translate™ menu bar at the top of the window.

Choose Language

English

Afrikaans

Albanian

Arabic

Armenian

Azerbaijani

Basque

Bengali

Bosnian

Catalan

Croatian

Czech

Danish

Dutch

Esperanto

Estonian

Filipino

Finnish

French

Galician

Georgian

German

Greek

Gujarati

Haitian Creole

Hausa

Hawaiian

Hebrew

Hindi

Hungarian

Icelandic

Indonesian

Interlingua

Interlingue

Inuktitut

Irish

Italian

Japanese

Javanese

Kannada

Khmer

Korean

Latin

Latvian

Lithuanian

Luxembourgish

Macedonian

Malagasy

Malayalam

Maltese

Maori

Marathi

Myanmar

Nepali

Norwegian

Odia

Pashto

Punjabi

Romanian

Russian

Samoan

Sango

Sanskrit

Sardinian

Sindhi

Sinhala

Slovak

Slovenian

Somali

Southern Sotho

Spanish

Sundanese

Swahili

Swedish

Tamil

Telugu

Thai

Tigrinya

Tonga

Turkish

Ukrainian

Urdu

Vietnamese

Welsh

Xhosa

Yiddish

Yoruba

Zulu

Powered by
Translate

Close

Illinois General Assembly

Top Navigation Bar

Translate

Learn

Select General Assembly

Search the 104th General Assembly

Enter search terms for legislation, members, committees, or schedules.

ILGA.GOV

LEGISLATION & LAWS

Bills & Resolutions

Public Acts

Illinois Compiled Statutes

Illinois Constitution

Search Legislation

Glossary

Guide

Reports & Inquiry

Legislative Reports

Special Reports

FTP Site

Legislator Lookup

Capitol Complex Phone Numbers

Rules & Regulations

Illinois Register

Administrative Rules

Senate

Members

Schedules

Committees

Request for Remote Testimony

Journals

Transcripts

Rules

Audio/Video

FOIA Information

Senate Employment Opportunities

Media Guidelines

House

Members

Schedules

Committees

Submit testimony for House Committees

Journals

Transcripts

Rules

Audio/Video

FOIA Information

House Employment Opportunities

Log In

Mobile Top Bar

Search the 104th General Assembly

Enter keywords to search the Illinois General Assembly website.

Full Text of HB4330

Home

Legislation

Full Text

HB4330 - 104th General Assembly

Bill Status

Full Text

Votes

Witness Slips

Select Menu

Bill Status

Full Text

Votes

Witness Slips

Printer Friendly Version

Introduced

Printer Friendly Version

Introduced

Open PDF

104TH GENERAL ASSEMBLY
State of Illinois
2025 and 2026
HB4330

Introduced 1/14/2026, by Rep. Martha Deuter

SYNOPSIS AS INTRODUCED:

215 ILCS 5/363

Amends the Illinois Insurance Code. Provides that an issuer of a
Medicare supplement policy shall not deny coverage to an applicant who
voluntarily switches from a Medicare Advantage plan to a Medicare plan
under Parts A, B, or D, or any combination of those plans, so long as the
application for a Medicare supplement policy is submitted within 30
calendar days after the first effective day of the new plan. Provides that
when such an application for a Medicare supplement policy is submitted,
the issuer of the Medicare supplement policy may not charge a higher cost
than what is normally offered to applicants who have become newly eligible
for Medicare, nor raise costs or deny coverage for a preexisting
condition.
LRB104 16228 BAB 29612 b

A BILL FOR

HB4330
LRB104 16228 BAB 29612 b
1

AN ACT concerning regulation.

2

Be it enacted by the People of the State of Illinois,
3
represented in the General Assembly:

4

Section 5.
The Illinois Insurance Code is amended by
5
changing Section 363 as follows:

6

(215 ILCS 5/363)
7

(Text of Section before amendment by P.A. 103-747
)
8

Sec. 363.
Medicare supplement policies; minimum standards.
9

(1) Except as otherwise specifically provided therein,
10
this Section and Section 363a of this Code shall apply to:
11

(a) all Medicare supplement policies and subscriber
12

contracts delivered or issued for delivery in this State
13

on and after January 1, 1989; and
14

(b) all certificates issued under group Medicare
15

supplement policies or subscriber contracts, which
16

certificates are issued or issued for delivery in this
17

State on and after January 1, 1989.
18

This Section shall not apply to "Accident Only" or
19
"Specified Disease" types of policies. The provisions of this
20
Section are not intended to prohibit or apply to policies or
21
health care benefit plans, including group conversion
22
policies, provided to Medicare eligible persons, which
23
policies or plans are not marketed or purported or held to be

HB4330
- 2 -
LRB104 16228 BAB 29612 b
1
Medicare supplement policies or benefit plans.
2

(2) For the purposes of this Section and Section 363a, the
3
following terms have the following meanings:
4

(a) "Applicant" means:
5

(i) in the case of individual Medicare supplement
6

policy, the person who seeks to contract for insurance
7

benefits, and
8

(ii) in the case of a group Medicare policy or
9

subscriber contract, the proposed certificate holder.
10

(b) "Certificate" means any certificate delivered or
11

issued for delivery in this State under a group Medicare
12

supplement policy.
13

(c) "Medicare supplement policy" means an individual
14

policy of accident and health insurance, as defined in
15

paragraph (a) of subsection (2) of Section 355a of this
16

Code, or a group policy or certificate delivered or issued
17

for delivery in this State by an insurer, fraternal
18

benefit society, voluntary health service plan, or health
19

maintenance organization, other than a policy issued
20

pursuant to a contract under Section 1876 of the federal
21

Social Security Act (42 U.S.C. Section 1395 et seq.) or a
22

policy issued under a demonstration project specified in
23

42 U.S.C. Section 1395ss(g)(1), or any similar
24

organization, that is advertised, marketed, or designed
25

primarily as a supplement to reimbursements under Medicare
26

for the hospital, medical, or surgical expenses of persons

HB4330
- 3 -
LRB104 16228 BAB 29612 b
1

eligible for Medicare.
2

(d) "Issuer" includes insurance companies, fraternal
3

benefit societies, voluntary health service plans, health
4

maintenance organizations, or any other entity providing
5

Medicare supplement insurance, unless the context clearly
6

indicates otherwise.
7

(e) "Medicare" means the Health Insurance for the Aged
8

Act, Title XVIII of the Social Security Amendments of
9

1965.
10

(3) No Medicare supplement insurance policy, contract, or
11
certificate, that provides benefits that duplicate benefits
12
provided by Medicare, shall be issued or issued for delivery
13
in this State after December 31, 1988. No such policy,
14
contract, or certificate shall provide lesser benefits than
15
those required under this Section or the existing Medicare
16
Supplement Minimum Standards Regulation, except where
17
duplication of Medicare benefits would result.
18

(4) Medicare supplement policies or certificates shall
19
have a notice prominently printed on the first page of the
20
policy or attached thereto stating in substance that the
21
policyholder or certificate holder shall have the right to
22
return the policy or certificate within 30 days of its
23
delivery and to have the premium refunded directly to him or
24
her in a timely manner if, after examination of the policy or
25
certificate, the insured person is not satisfied for any
26
reason.

HB4330
- 4 -
LRB104 16228 BAB 29612 b
1

(5) A Medicare supplement policy or certificate may not
2
deny a claim for losses incurred more than 6 months from the
3
effective date of coverage for a preexisting condition. The
4
policy may not define a preexisting condition more
5
restrictively than a condition for which medical advice was
6
given or treatment was recommended by or received from a
7
physician within 6 months before the effective date of
8
coverage.
9

(6) An issuer of a Medicare supplement policy shall:
10

(a) not deny coverage to an applicant under 65 years
11

of age who meets any of the following criteria:
12

(i) becomes eligible for Medicare by reason of
13

disability if the person makes application for a
14

Medicare supplement policy within 6 months of the
15

first day on which the person enrolls for benefits
16

under Medicare Part B; for a person who is
17

retroactively enrolled in Medicare Part B due to a
18

retroactive eligibility decision made by the Social
19

Security Administration, the application must be
20

submitted within a 6-month period beginning with the
21

month in which the person received notice of
22

retroactive eligibility to enroll;
23

(ii) has Medicare and an employer group health
24

plan (either primary or secondary to Medicare) that
25

terminates or ceases to provide all such supplemental
26

health benefits;

HB4330
- 5 -
LRB104 16228 BAB 29612 b
1

(iii) is insured by a Medicare Advantage plan that
2

includes a Health Maintenance Organization, a
3

Preferred Provider Organization, and a Private
4

Fee-For-Service or Medicare Select plan and the
5

applicant moves out of the plan's service area; the
6

insurer goes out of business, withdraws from the
7

market, or has its Medicare contract terminated; or
8

the plan violates its contract provisions or is
9

misrepresented in its marketing; or
10

(iv) is insured by a Medicare supplement policy
11

and the insurer goes out of business, withdraws from
12

the market, or the insurance company or agents
13

misrepresent the plan and the applicant is without
14

coverage;
15

(a-5) not deny coverage if the applicant voluntarily
16

switches from a Medicare Advantage plan to a Medicare plan
17

under Part A, B, or D, or any combination of those plans,
18

so long as the application for a Medicare supplement
19

policy is submitted within 30 calendar days after the
20

first effective day of the new plan. When such an
21

application for a Medicare supplement policy is submitted,
22

the issuer of the Medicare supplement policy may not
23

charge a higher cost than what is normally offered to
24

applicants who have become newly eligible for Medicare,
25

nor raise costs or deny coverage for a preexisting
26

condition. As used in this paragraph (a-5), "preexisting

HB4330
- 6 -
LRB104 16228 BAB 29612 b
1

condition" has the meaning given to that term in Section
2

351A-5 of this Code;

3

(b) make available to persons eligible for Medicare by
4

reason of disability each type of Medicare supplement
5

policy the issuer makes available to persons eligible for
6

Medicare by reason of age;
7

(c) not charge individuals who become eligible for
8

Medicare by reason of disability and who are under the age
9

of 65 premium rates for any medical supplemental insurance
10

benefit plan offered by the issuer that exceed the
11

issuer's highest rate on the current rate schedule filed
12

with the Department of Insurance for that plan to
13

individuals who are age 65 or older; and
14

(d) provide the rights granted by items (a) through
15

(d), for 6 months after June 1, 2008 (the effective date of
16

Public Act 95-436), to any person who had enrolled for
17

benefits under Medicare Part B prior to Public Act 95-436
18

and who otherwise would have been eligible for coverage
19

under item (a).
20

(7) The Director shall issue reasonable rules and
21
regulations for the following purposes:
22

(a) To establish specific standards for policy
23

provisions of Medicare policies and certificates. The
24

standards shall be in accordance with the requirements of
25

this Code. No requirement of this Code relating to minimum
26

required policy benefits, other than the minimum standards

HB4330
- 7 -
LRB104 16228 BAB 29612 b
1

contained in this Section and Section 363a, shall apply to
2

Medicare supplement policies and certificates. The
3

standards may cover, but are not limited to the following:
4

(A) Terms of renewability.
5

(B) Initial and subsequent terms of eligibility.
6

(C) Non-duplication of coverage.
7

(D) Probationary and elimination periods.
8

(E) Benefit limitations, exceptions and
9

reductions.
10

(F) Requirements for replacement.
11

(G) Recurrent conditions.
12

(H) Definition of terms.
13

(I) Requirements for issuing rebates or credits to
14

policyholders if the policy's loss ratio does not
15

comply with subsection (7) of Section 363a.
16

(J) Uniform methodology for the calculating and
17

reporting of loss ratio information.
18

(K) Assuring public access to loss ratio
19

information of an issuer of Medicare supplement
20

insurance.
21

(L) Establishing a process for approving or
22

disapproving proposed premium increases.
23

(M) Establishing a policy for holding public
24

hearings prior to approval of premium increases.
25

(N) Establishing standards for Medicare Select
26

policies.

HB4330
- 8 -
LRB104 16228 BAB 29612 b
1

(O) Prohibited policy provisions not otherwise
2

specifically authorized by statute that, in the
3

opinion of the Director, are unjust, unfair, or
4

unfairly discriminatory to any person insured or
5

proposed for coverage under a Medicare supplement
6

policy or certificate.
7

(b) To establish minimum standards for benefits and
8

claims payments, marketing practices, compensation
9

arrangements, and reporting practices for Medicare
10

supplement policies.
11

(c) To implement transitional requirements of Medicare
12

supplement insurance benefits and premiums of Medicare
13

supplement policies and certificates to conform to
14

Medicare program revisions.
15

(8) If an individual is at least 65 years of age but no
16
more than 75 years of age and has an existing Medicare
17
supplement policy, the individual is entitled to an annual
18
open enrollment period lasting 45 days, commencing with the
19
individual's birthday, and the individual may purchase any
20
Medicare supplement policy with the same issuer that offers
21
benefits equal to or lesser than those provided by the
22
previous coverage. During this open enrollment period, an
23
issuer of a Medicare supplement policy shall not deny or
24
condition the issuance or effectiveness of Medicare
25
supplemental coverage, nor discriminate in the pricing of
26
coverage, because of health status, claims experience, receipt

HB4330
- 9 -
LRB104 16228 BAB 29612 b
1
of health care, or a medical condition of the individual. An
2
issuer shall provide notice of this annual open enrollment
3
period for eligible Medicare supplement policyholders at the
4
time that the application is made for a Medicare supplement
5
policy or certificate. The notice shall be in a form that may
6
be prescribed by the Department.
7

(9) Without limiting an individual's eligibility under
8
Department rules implementing 42 U.S.C. 1395ss(s)(2)(A), for
9
at least 63 days after the later of the applicant's loss of
10
benefits or the notice of termination of benefits, including a
11
notice of claim denial due to termination of benefits, under
12
the State's medical assistance program under Article V of the
13
Illinois Public Aid Code, an issuer shall not deny or
14
condition the issuance or effectiveness of any Medicare
15
supplement policy or certificate that is offered and is
16
available for issuance to new enrollees by the issuer; shall
17
not discriminate in the pricing of such a Medicare supplement
18
policy because of health status, claims experience, receipt of
19
health care, or medical condition; and shall not include a
20
policy provision that imposes an exclusion of benefits based
21
on a preexisting condition under such a Medicare supplement
22
policy if the individual:
23

(a) is enrolled for Medicare Part B;
24

(b) was enrolled in the State's medical assistance
25

program during the COVID-19 Public Health Emergency
26

described in Section 5-1.5 of the Illinois Public Aid

HB4330
- 10 -
LRB104 16228 BAB 29612 b
1

Code;
2

(c) was terminated or disenrolled from the State's
3

medical assistance program after the COVID-19 Public
4

Health Emergency and the later of the date of termination
5

of benefits or the date of the notice of termination,
6

including a notice of a claim denial due to termination,
7

occurred on, after, or no more than 63 days before the end
8

of either, as applicable:
9

(A) the individual's Medicare supplement open
10

enrollment period described in Department rules
11

implementing 42 U.S.C. 1395ss(s)(2)(A); or
12

(B) the 6-month period described in Section
13

363(6)(a)(i) of this Code; and
14

(d) submits evidence of the date of termination of
15

benefits or notice of termination under the State's
16

medical assistance program with the application for a
17

Medicare supplement policy or certificate.
18

(10) Each Medicare supplement policy and certificate
19
available from an insurer on and after June 16, 2023 (the
20
effective date of Public Act 103-102) shall be made available
21
to all applicants who qualify under subparagraph (i) of
22
paragraph (a) of subsection (6) or Department rules
23
implementing 42 U.S.C. 1395ss(s)(2)(A) without regard to age
24
or applicability of a Medicare Part B late enrollment penalty.
25
(Source: P.A. 102-142, eff. 1-1-22; 103-102, eff. 6-16-23;
26
104-417, eff. 8-15-25.)

HB4330
- 11 -
LRB104 16228 BAB 29612 b
1

(Text of Section after amendment by P.A. 103-747
)
2

Sec. 363.
Medicare supplement policies; minimum standards.
3

(1) Except as otherwise specifically provided therein,
4
this Section and Section 363a of this Code shall apply to:
5

(a) all Medicare supplement policies and subscriber
6

contracts delivered or issued for delivery in this State
7

on and after January 1, 1989; and
8

(b) all certificates issued under group Medicare
9

supplement policies or subscriber contracts, which
10

certificates are issued or issued for delivery in this
11

State on and after January 1, 1989.
12

This Section shall not apply to "Accident Only" or
13
"Specified Disease" types of policies. The provisions of this
14
Section are not intended to prohibit or apply to policies or
15
health care benefit plans, including group conversion
16
policies, provided to Medicare eligible persons, which
17
policies or plans are not marketed or purported or held to be
18
Medicare supplement policies or benefit plans.
19

(2) For the purposes of this Section and Section 363a, the
20
following terms have the following meanings:
21

(a) "Applicant" means:
22

(i) in the case of individual Medicare supplement
23

policy, the person who seeks to contract for insurance
24

benefits, and
25

(ii) in the case of a group Medicare policy or

HB4330
- 12 -
LRB104 16228 BAB 29612 b
1

subscriber contract, the proposed certificate holder.
2

(b) "Certificate" means any certificate delivered or
3

issued for delivery in this State under a group Medicare
4

supplement policy.
5

(c) "Medicare supplement policy" means an individual
6

policy of accident and health insurance, as defined in
7

paragraph (a) of subsection (2) of Section 355a of this
8

Code, or a group policy or certificate delivered or issued
9

for delivery in this State by an insurer, fraternal
10

benefit society, voluntary health service plan, or health
11

maintenance organization, other than a policy issued
12

pursuant to a contract under Section 1876 of the federal
13

Social Security Act (42 U.S.C. Section 1395 et seq.) or a
14

policy issued under a demonstration project specified in
15

42 U.S.C. Section 1395ss(g)(1), or any similar
16

organization, that is advertised, marketed, or designed
17

primarily as a supplement to reimbursements under Medicare
18

for the hospital, medical, or surgical expenses of persons
19

eligible for Medicare.
20

(d) "Issuer" includes insurance companies, fraternal
21

benefit societies, voluntary health service plans, health
22

maintenance organizations, or any other entity providing
23

Medicare supplement insurance, unless the context clearly
24

indicates otherwise.
25

(e) "Medicare" means the Health Insurance for the Aged
26

Act, Title XVIII of the Social Security Amendments of

HB4330
- 13 -
LRB104 16228 BAB 29612 b
1

1965.
2

(3) No Medicare supplement insurance policy, contract, or
3
certificate, that provides benefits that duplicate benefits
4
provided by Medicare, shall be issued or issued for delivery
5
in this State after December 31, 1988. No such policy,
6
contract, or certificate shall provide lesser benefits than
7
those required under this Section or the existing Medicare
8
Supplement Minimum Standards Regulation, except where
9
duplication of Medicare benefits would result.
10

(4) Medicare supplement policies or certificates shall
11
have a notice prominently printed on the first page of the
12
policy or attached thereto stating in substance that the
13
policyholder or certificate holder shall have the right to
14
return the policy or certificate within 30 days of its
15
delivery and to have the premium refunded directly to him or
16
her in a timely manner if, after examination of the policy or
17
certificate, the insured person is not satisfied for any
18
reason.
19

(5) A Medicare supplement policy or certificate may not
20
deny a claim for losses incurred more than 6 months from the
21
effective date of coverage for a preexisting condition. The
22
policy may not define a preexisting condition more
23
restrictively than a condition for which medical advice was
24
given or treatment was recommended by or received from a
25
physician within 6 months before the effective date of
26
coverage.

HB4330
- 14 -
LRB104 16228 BAB 29612 b
1

(6) An issuer of a Medicare supplement policy shall:
2

(a) not deny coverage to an applicant under 65 years
3

of age who meets any of the following criteria:
4

(i) becomes eligible for Medicare by reason of
5

disability if the person makes application for a
6

Medicare supplement policy within 6 months of the
7

first day on which the person enrolls for benefits
8

under Medicare Part B; for a person who is
9

retroactively enrolled in Medicare Part B due to a
10

retroactive eligibility decision made by the Social
11

Security Administration, the application must be
12

submitted within a 6-month period beginning with the
13

month in which the person received notice of
14

retroactive eligibility to enroll;
15

(ii) has Medicare and an employer group health
16

plan (either primary or secondary to Medicare) that
17

terminates or ceases to provide all such supplemental
18

health benefits;
19

(iii) is insured by a Medicare Advantage plan that
20

includes a Health Maintenance Organization, a
21

Preferred Provider Organization, and a Private
22

Fee-For-Service or Medicare Select plan and the
23

applicant moves out of the plan's service area; the
24

insurer goes out of business, withdraws from the
25

market, or has its Medicare contract terminated; or
26

the plan violates its contract provisions or is

HB4330
- 15 -
LRB104 16228 BAB 29612 b
1

misrepresented in its marketing; or
2

(iv) is insured by a Medicare supplement policy
3

and the insurer goes out of business, withdraws from
4

the market, or the insurance company or agents
5

misrepresent the plan and the applicant is without
6

coverage;
7

(a-5) not deny coverage if the applicant voluntarily
8

switches from a Medicare Advantage plan to a Medicare plan
9

under Part A, B, or D, or any combination of those plans,
10

so long as the application for a Medicare supplement
11

policy is submitted within 30 calendar days after the
12

first effective day of the new plan. When such an
13

application for a Medicare supplement policy is submitted,
14

the issuer of the Medicare supplement policy may not
15

charge a higher cost than what is normally offered to
16

applicants who have become newly eligible for Medicare,
17

nor raise costs or deny coverage for a preexisting
18

condition. As used in this paragraph (a-5), "preexisting
19

condition" has the meaning given to that term in Section
20

351A-5 of this Code;

21

(b) make available to persons eligible for Medicare by
22

reason of disability each type of Medicare supplement
23

policy the issuer makes available to persons eligible for
24

Medicare by reason of age;
25

(c) not charge individuals who become eligible for
26

Medicare by reason of disability and who are under the age

HB4330
- 16 -
LRB104 16228 BAB 29612 b
1

of 65 premium rates for any medical supplemental insurance
2

benefit plan offered by the issuer that exceed the
3

issuer's highest rate on the current rate schedule filed
4

with the Department of Insurance for that plan to
5

individuals who are age 65 or older; and
6

(d) provide the rights granted by items (a) through
7

(d), for 6 months after June 1, 2008 (the effective date of
8

Public Act 95-436), to any person who had enrolled for
9

benefits under Medicare Part B prior to Public Act 95-436
10

and who otherwise would have been eligible for coverage
11

under item (a).
12

(7) The Director shall issue reasonable rules and
13
regulations for the following purposes:
14

(a) To establish specific standards for policy
15

provisions of Medicare policies and certificates. The
16

standards shall be in accordance with the requirements of
17

this Code. No requirement of this Code relating to minimum
18

required policy benefits, other than the minimum standards
19

contained in this Section and Section 363a, shall apply to
20

Medicare supplement policies and certificates. The
21

standards may cover, but are not limited to the following:
22

(A) Terms of renewability.
23

(B) Initial and subsequent terms of eligibility.
24

(C) Non-duplication of coverage.
25

(D) Probationary and elimination periods.
26

(E) Benefit limitations, exceptions and

HB4330
- 17 -
LRB104 16228 BAB 29612 b
1

reductions.
2

(F) Requirements for replacement.
3

(G) Recurrent conditions.
4

(H) Definition of terms.
5

(I) Requirements for issuing rebates or credits to
6

policyholders if the policy's loss ratio does not
7

comply with subsection (7) of Section 363a.
8

(J) Uniform methodology for the calculating and
9

reporting of loss ratio information.
10

(K) Assuring public access to loss ratio
11

information of an issuer of Medicare supplement
12

insurance.
13

(L) Establishing a process for approving or
14

disapproving proposed premium increases.
15

(M) Establishing a policy for holding public
16

hearings prior to approval of premium increases.
17

(N) Establishing standards for Medicare Select
18

policies.
19

(O) Prohibited policy provisions not otherwise
20

specifically authorized by statute that, in the
21

opinion of the Director, are unjust, unfair, or
22

unfairly discriminatory to any person insured or
23

proposed for coverage under a Medicare supplement
24

policy or certificate.
25

(b) To establish minimum standards for benefits and
26

claims payments, marketing practices, compensation

HB4330
- 18 -
LRB104 16228 BAB 29612 b
1

arrangements, and reporting practices for Medicare
2

supplement policies.
3

(c) To implement transitional requirements of Medicare
4

supplement insurance benefits and premiums of Medicare
5

supplement policies and certificates to conform to
6

Medicare program revisions.
7

(8) If an individual is at least 65 years of age but no
8
more than 75 years of age and has an existing Medicare
9
supplement policy, the individual is entitled to an annual
10
open enrollment period lasting 45 days, commencing with the
11
individual's birthday, and the individual may purchase any
12
Medicare supplement policy with the same issuer or any
13
affiliate authorized to transact business in this State that
14
offers benefits equal to or lesser than those provided by the
15
previous coverage. During this open enrollment period, an
16
issuer of a Medicare supplement policy shall not deny or
17
condition the issuance or effectiveness of Medicare
18
supplemental coverage, nor discriminate in the pricing of
19
coverage, because of health status, claims experience, receipt
20
of health care, or a medical condition of the individual. An
21
issuer shall provide notice of this annual open enrollment
22
period for eligible Medicare supplement policyholders at the
23
time that the application is made for a Medicare supplement
24
policy or certificate. The notice shall be in a form that may
25
be prescribed by the Department.
26

(9) Without limiting an individual's eligibility under

HB4330
- 19 -
LRB104 16228 BAB 29612 b
1
Department rules implementing 42 U.S.C. 1395ss(s)(2)(A), for
2
at least 63 days after the later of the applicant's loss of
3
benefits or the notice of termination of benefits, including a
4
notice of claim denial due to termination of benefits, under
5
the State's medical assistance program under Article V of the
6
Illinois Public Aid Code, an issuer shall not deny or
7
condition the issuance or effectiveness of any Medicare
8
supplement policy or certificate that is offered and is
9
available for issuance to new enrollees by the issuer; shall
10
not discriminate in the pricing of such a Medicare supplement
11
policy because of health status, claims experience, receipt of
12
health care, or medical condition; and shall not include a
13
policy provision that imposes an exclusion of benefits based
14
on a preexisting condition under such a Medicare supplement
15
policy if the individual:
16

(a) is enrolled for Medicare Part B;
17

(b) was enrolled in the State's medical assistance
18

program during the COVID-19 Public Health Emergency
19

described in Section 5-1.5 of the Illinois Public Aid
20

Code;
21

(c) was terminated or disenrolled from the State's
22

medical assistance program after the COVID-19 Public
23

Health Emergency and the later of the date of termination
24

of benefits or the date of the notice of termination,
25

including a notice of a claim denial due to termination,
26

occurred on, after, or no more than 63 days before the end

HB4330
- 20 -
LRB104 16228 BAB 29612 b
1

of either, as applicable:
2

(A) the individual's Medicare supplement open
3

enrollment period described in Department rules
4

implementing 42 U.S.C. 1395ss(s)(2)(A); or
5

(B) the 6-month period described in Section
6

363(6)(a)(i) of this Code; and
7

(d) submits evidence of the date of termination of
8

benefits or notice of termination under the State's
9

medical assistance program with the application for a
10

Medicare supplement policy or certificate.
11

(10) Each Medicare supplement policy and certificate
12
available from an insurer on and after June 16, 2023 (the
13
effective date of Public Act 103-102) shall be made available
14
to all applicants who qualify under subparagraph (i) of
15
paragraph (a) of subsection (6) or Department rules
16
implementing 42 U.S.C. 1395ss(s)(2)(A) without regard to age
17
or applicability of a Medicare Part B late enrollment penalty.
18
(Source: P.A. 103-102, eff. 6-16-23; 103-747, eff. 1-1-26;
19
104-417, eff. 8-15-25.)

20

Section 95.
No acceleration or delay.
Where this Act makes
21
changes in a statute that is represented in this Act by text
22
that is not yet or no longer in effect (for example, a Section
23
represented by multiple versions), the use of that text does
24
not accelerate or delay the taking effect of (i) the changes
25
made by this Act or (ii) provisions derived from any other

HB4330
- 21 -
LRB104 16228 BAB 29612 b
1
Public Act.

Footer

Disclaimer

This site is maintained for the Illinois General Assembly by the
Legislative Information System, 705 Stratton Building, Springfield, Illinois 62706.

Contact ILGA Webmaster

ILGA.gov uses cookies to ensure you get the best experience on our website. By continuing to browse ILGA.gov you consent to our use of cookies.
Read About Cookies

ILGA.GOV

2026 ILGA.gov | All Rights Reserved |
ADA

|
Disclaimers
|
Learn

This site is maintained for the Illinois General Assembly by the
Legislative Information System, 705 Stratton Building, Springfield, Illinois 62706.
Contact ILGA Webmaster

ILGA.gov uses cookies to ensure you get the best experience on our website. By continuing to browse ILGA.gov you consent to our use of cookies.
Read About Cookies

ILGA.GOV

2026 ILGA.gov | All Rights Reserved |
ADA

|
Disclaimers
|
Learn