Bill > HB774

This bill requires Medicare supplemental policies and Medicare Advantage Plans to cover pre-existing conditions without exclusions or limitations. Specifically, the bill defines a pre-existing condition as a medical condition for which medical advice was given or treatment was recommended within 6 months before the coverage's effective date. The legislation prohibits insurers from denying coverage or using medical underwriting to price premiums during the Medicare Open Enrollment Period. It mandates that every insurer offering Medicare Advantage Plans in New Hampshire must also offer Medicare Supplement (Medigap) Plans. The bill requires these policies to have a 30-day free examination period where applicants can return the policy and receive a full premium refund if unsatisfied. Additionally, the bill updates existing insurance regulations to include Medicare Advantage Plans in disclosure and policy provision standards, ensuring that beneficiaries have clear information about their coverage options. These changes aim to provide more comprehensive and accessible health insurance coverage for Medicare recipients by removing barriers related to pre-existing conditions.

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https://gc.nh.gov/bill_status/legacy/bs2016/bill_docket.aspx?lsr=0797&sy=2025&sortoption=&txtsessionyear=2025&txtbillnumber=HB774