Bill > SB1181

This bill amends Oregon's laws regarding Medicare supplement insurance by establishing new protections and enrollment standards for individuals seeking such coverage. The bill prohibits insurance carriers from denying coverage, applying preexisting condition exclusions, or charging different premiums based on an individual's health status, age, medical condition, or other personal factors. It creates two specific open enrollment periods for Medicare supplement insurance: the first is the six-month window beginning when an individual first enrolls in Medicare Part B, and the second is an annual 90-day period starting on January 1st of each year. The bill requires the Director of the Department of Consumer and Business Services to develop specific standards for Medicare supplement policies, including terms of renewability, eligibility conditions, and benefit limitations. These new provisions will apply to insurance policies issued, renewed, or extended on or after January 1, 2026, ensuring that seniors and Medicare recipients have more accessible and equitable options for supplemental health insurance coverage.

Health and Social Services

https://olis.oregonlegislature.gov/liz/2025R1/Measures/Overview/SB1181