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House
File
70
-
Introduced
HOUSE
FILE
70
BY
MOHR
and
KNIFF
MCCULLA
A
BILL
FOR
An
Act
relating
to
Medicare
supplement
policies
and
an
annual
1
open
enrollment
period.
2
BE
IT
ENACTED
BY
THE
GENERAL
ASSEMBLY
OF
THE
STATE
OF
IOWA:
3
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1140YH
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70
Section
1.
NEW
SECTION
.
514M.1
Medicare
supplement
1
insurance
——
annual
open
enrollment.
2
1.
For
purposes
of
this
section,
unless
the
context
3
otherwise
requires:
4
a.
“Applicant”
means
an
individual
who
is
a
covered
person
5
under
an
individual
or
group
Medicare
supplement
policy.
6
“Applicant”
includes
an
individual
under
the
age
of
sixty-five
7
who
qualifies
for
Medicare
due
to
disability,
end-stage
renal
8
disease,
or
exposure
to
an
environmental
hazard.
9
b.
“Certificate”
means
any
certificate
of
coverage
delivered
10
or
issued
for
delivery
in
this
state
to
a
covered
individual
11
under
a
group
Medicare
supplement
policy.
12
c.
“Issuer”
means
an
insurance
company,
a
fraternal
benefit
13
society,
a
health
care
service
plan,
a
health
maintenance
14
organization,
or
any
other
entity
delivering
or
issuing
15
for
delivery
in
this
state
a
Medicare
supplement
policy
or
16
certificate.
17
d.
“Medicare
supplement
policy”
means
an
individual
or
group
18
policy
of
accident
and
sickness
insurance
or
a
subscriber
19
contract
of
hospital
and
medical
service
associations
or
20
health
maintenance
organizations,
other
than
a
policy
issued
21
pursuant
to
a
contract
under
section
1876
of
the
federal
Social
22
Security
Act,
as
codified
in
42
U.S.C.
§1395
et
seq.,
or
an
23
issued
policy
under
an
approved
demonstration
project
described
24
in
section
603(c)
of
the
Social
Security
Amendments
of
1983,
25
section
2355
of
the
federal
Deficit
Reduction
Act
of
1984,
or
26
section
9412(b)
of
the
federal
Omnibus
Budget
Reconciliation
27
Act
of
1986,
that
is
advertised,
marketed,
or
designed
28
primarily
as
a
supplement
to
reimbursements
under
Medicare
29
for
hospital,
medical,
or
surgical
expenses
of
individuals
30
covered
by
Medicare.
“Medicare
supplement
policy”
does
not
31
include
Medicare
advantage
plans,
outpatient
prescription
drug
32
plans
established
under
Medicare
part
D,
or
any
health
care
33
prepayment
plan
that
provides
benefits
pursuant
to
an
agreement
34
under
section
1833(a)(1)(A)
of
the
federal
Social
Security
Act.
35
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2.
Beginning
January
1,
2025,
applicants
shall
have
an
1
annual
thirty-one-day
open
enrollment
period
that
begins
on
2
March
1.
3
3.
During
the
open
enrollment
period
under
subsection
2,
an
4
issuer
shall
be
prohibited
from
doing
any
of
the
following
for
5
at
least
one
Medicare
supplement
policy
or
certificate
that
the
6
issuer
offers
and
that
is
available
for
issuance
in
the
state:
7
a.
Denying
or
conditioning
the
issuance
or
effectiveness
of
8
the
Medicare
supplement
policy
or
certificate.
9
b.
Subjecting
an
applicant
to
medical
underwriting,
or
10
discriminating
in
the
pricing
of
the
Medicare
supplement
policy
11
or
certificate
because
of
the
applicant’s
health
status,
claims
12
experience,
receipt
of
health
care,
or
medical
condition.
13
c.
Imposing
an
exclusion
of
benefits
based
on
an
applicant’s
14
preexisting
condition.
15
4.
An
issuer
shall
provide
notice,
in
a
form
prescribed
by
16
the
commissioner
of
insurance,
of
the
annual
open
enrollment
17
period
at
the
time
an
applicant
applies
for
a
Medicare
18
supplement
policy
or
certificate.
19
EXPLANATION
20
The
inclusion
of
this
explanation
does
not
constitute
agreement
with
21
the
explanation’s
substance
by
the
members
of
the
general
assembly.
22
This
bill
relates
to
Medicare
supplement
policies
and
an
23
annual
open
enrollment
period.
24
Beginning
January
1,
2025,
applicants
shall
have
an
25
annual
31-day
open
enrollment
period
that
begins
on
March
1.
26
“Applicant”
is
defined
in
the
bill
as
an
individual
who
is
a
27
covered
person
under
an
individual
or
group
Medicare
supplement
28
policy.
“Applicant”
includes
an
individual
under
the
age
of
65
29
who
qualifies
for
Medicare
due
to
disability,
end-stage
renal
30
disease,
or
exposure
to
an
environmental
hazard.
“Medicare
31
supplement
policy”
is
also
defined
in
the
bill.
32
During
the
open
enrollment
period,
for
at
least
one
Medicare
33
supplement
policy
or
certificate
that
the
issuer
offers
34
and
that
is
available
for
issuance
in
the
state,
an
issuer
35
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70
is
prohibited
from
denying
or
conditioning
the
issuance
or
1
effectiveness
of
the
Medicare
supplement
policy
or
certificate;
2
from
subjecting
an
applicant
to
medical
underwriting
or
3
discriminating
in
the
pricing
of
the
Medicare
supplement
4
policy
or
certificate
because
of
the
health
status,
claims
5
experience,
receipt
of
health
care,
or
medical
condition
of
an
6
applicant;
and
from
imposing
an
exclusion
of
benefits
based
on
7
an
applicant’s
preexisting
condition.
An
issuer
shall
provide
8
notice,
in
a
form
prescribed
by
the
commissioner
of
insurance,
9
of
the
annual
open
enrollment
period
at
the
time
an
applicant
10
applies
for
a
Medicare
supplement
policy
or
certificate.
11
“Issuer”
is
defined
in
the
bill.
12
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