La. Admin. Code tit. 37 § XIII-522

Current through Register Vol. 50, No. 11, November 20, 2024

Section XIII-522 - Standard Medicare Supplement Benefit Plans for 2020 Standardized Medicare Supplement Benefit Plan Policies or Certificates Issued for Delivery to Individuals Newly Eligible for Medicare on or After January 1, 2020.

A. The Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) requires the following standards are applicable to all Medicare supplement policies or certificates delivered or issued for delivery in this state to individuals newly eligible for Medicare on or after January 1, 2020. No policy or certificate that provides coverage of the Medicare Part B deductible may be advertised, solicited, delivered or issued for delivery in this state as a Medicare supplement policy or certificate to individuals newly eligible for Medicare on or after January 1, 2020. All policies must comply with the following benefit standards. Benefit plan standards applicable to Medicare supplement policies and certificates issued to individuals eligible for Medicare before January 1, 2020, remain subject to the requirements of Regulation 33.

1. Benefit Requirements. The standards and requirements of §521 shall apply to all Medicare supplement policies or certificates delivered or issued for delivery to individuals newly eligible for Medicare on or after January 1, 2020, with the following exceptions:

a. standardized Medicare supplement benefit Plan C is redesignated as Plan D and shall provide the benefits contained in §521.A.5.c of this regulation but shall not provide coverage for 100 percent or any portion of the Medicare Part B deductible.

b. standardized Medicare supplement benefit Plan F is redesignated as Plan G and shall provide the benefits contained in §521.A.5.e of this regulation but shall not provide coverage for 100 percent or any portion of the Medicare Part B deductible.

c. standardized Medicare supplement benefit plans C, F, and F with high deductible may not be offered to individuals newly eligible for Medicare on or after January 1, 2020.

d. standardized Medicare supplement benefit Plan F with high deductible is redesignated as Plan G with high deductible and shall provide the benefits contained in §521.A.5.f of this regulation but shall not provide coverage for 100 percent or any portion of the Medicare Part B deductible; provided further that, the Medicare Part B deductible paid by the beneficiary shall be considered an out-of-pocket expense in meeting the annual high deductible.

e. the reference to Plans C or F contained in §521.A.1.b is deemed a reference to Plans D or G for purposes of this section.

2. Applicability to Certain Individuals. This §522, applies to only individuals that are newly eligible for Medicare on or after January 1, 2020:

a. by reason of attaining age 65 on or after January 1, 2020; or

b. by reason of entitlement to benefits under part A pursuant to section 226(b) or 226A of the Social Security Act, or who is deemed to be eligible for benefits under section 226(a) of the Social Security Act on or after January 1, 2020.

3. Guaranteed Issue for Eligible Persons. For purposes of §535.E, in the case of any individual newly eligible for Medicare on or after January 1, 2020, any reference to a Medicare supplement policy C or F (including F with high deductible) shall be deemed to be a reference to Medicare supplement policy D or G (including G with high deductible), respectively, that meet the requirements of this §522 A.1.

4. Applicability to Waivered States. In the case of a State described in section 1882(p)(6) of the Social Security Act ("waivered" alternative simplification states) MACRA prohibits the coverage of the Medicare Part B deductible for any Medicare supplement policy sold or issued to an individual that is newly eligible for Medicare on or after January 1, 2020.

5. Offer of Redesignated Plans to Individuals other than Newly Eligible. On or after January 1, 2020, the standardized benefit plans described in Subparagraph A.1.d, above may be offered to any individual who was eligible for Medicare prior to January 1, 2020, in addition to the standardized plans described in §521.A.5 of this regulation.

La. Admin. Code tit. 37, § XIII-522

Promulgated by the Department of Insurance, Office of the Commissioner, LR 442190 (12/1/2018).

AUTHORITY NOTE: Promulgated in accordance with R.S. 22:1111 (re-designated from LSA-R.S. 22:224 pursuant to Acts 2008, No. 415 and 42 U.S.C. 1395 et seq.