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§ 15-906. Medicare supplement policy requirements

West's Annotated Code of MarylandInsuranceEffective: April 14, 2009

West's Annotated Code of Maryland
Insurance (Refs & Annos)
Title 15. Health Insurance
Subtitle 9. Medicare Supplement Act (Refs & Annos)
Effective: April 14, 2009
MD Code, Insurance, § 15-906
§ 15-906. Medicare supplement policy requirements
Minimum benefits required by federal law
(a) A Medicare supplement policy shall provide the minimum benefits required by federal law.
Benefits designed to cover deductibles or coinsurance amounts under Medicare
(b)(1) For benefits designed to cover deductibles or coinsurance amounts under Medicare, a Medicare supplement policy shall provide for an automatic change in those benefits to coincide with changes in applicable Medicare deductible and copayment provisions.
(2) Subject to approval by the Commissioner, a carrier may reserve the right in a Medicare supplement policy to change premiums to correspond with changes in benefits under paragraph (1) of this subsection.
Same or less restrictive payment conditions
(c) Payment of a benefit for a Medicare eligible expense under a Medicare supplement policy may be conditioned on the same or less restrictive payment conditions that apply to a Medicare claim, including the determination of medical necessity.
Exclusions, limitations, or reductions
(d)(1) Unless otherwise expressly authorized under this article or a regulation adopted by the Commissioner under this article, coverage under a Medicare supplement policy may not be subject to any exclusion, limitation, or reduction that is inconsistent with the exclusions, limitations, or reductions under Medicare.
(2) To the extent a benefit is available to the insured under Medicare, a Medicare supplement policy shall provide that coverage for the benefit is not duplicated.
Suspension of policy benefits and premiums
(e) If the insured is receiving medical assistance under Medicaid, a Medicare supplement policy shall provide for the suspension of policy benefits and premiums for a maximum of 24 months.
Duplicate benefits
(f)(1) A Medicare supplement policy, contract, or certificate in force in the State may not provide benefits that duplicate benefits provided by Medicare.
(2) Unless approved by the Commissioner, a Medicare supplement policy may not be offered at an introductory premium rate.

Credits

Added by Acts 1997, c. 35, § 2, eff. Oct. 1, 1997. Amended by Acts 2009, c. 22, § 1, eff. April 14, 2009.
Formerly Art. 48A, § 468C.
MD Code, Insurance, § 15-906, MD INSURANCE § 15-906
Current through legislation effective through May 9, 2024, from the 2024 Regular Session of the General Assembly. Some statute sections may be more current, see credits for details.
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