Bill > HR1394

This bill, the Medigap Consumer Protection Act of 2019, proposes several reforms to Medicare supplemental health insurance (Medigap) policies: 1) It expands guaranteed issue rights, requiring Medigap policies to be offered to all Medicare beneficiaries regardless of health status. This removes current age and enrollment restrictions. 2) It eliminates certain limitations on Medigap policies for newly eligible Medicare beneficiaries, providing a one-time enrollment period for some individuals. 3) It modifies the medical loss ratio requirement for Medigap policies, increasing the minimum amount of premiums that must be spent on medical care. 4) It directs the Secretary of Health and Human Services to develop new standards to prevent pricing discrimination in Medigap policies based on age or eligibility for Medicare. 5) It requires improvements to the Medicare Plan Finder website to better inform consumers about Medigap policy options and costs. 6) It removes a prior restriction on "first-dollar" Medigap coverage, restoring access to such policies. 7) It imposes new transparency requirements for Medigap insurance brokers to report payments and transfers of value to the Secretary.

Budget and Finance, Health and Social Services

https://www.congress.gov/bill/116th-congress/house-bill/1394/all-info