Bill > HB1848

This bill aims to expand protections for individuals purchasing Medicare supplement policies, often referred to as "Medigap" policies, which help cover costs not covered by Original Medicare. Specifically, it introduces provisions for "non-age eligible persons," defined as individuals under 65 who are eligible for Medicare due to disability or end-stage renal disease, ensuring they receive the same benefits and protections as those 65 and older. The bill prohibits insurers from denying, conditioning the issuance or effectiveness of, or discriminating in the pricing of a Medicare supplement policy for applicants who meet certain criteria, including non-age eligible persons applying within specific enrollment periods or individuals switching policies within 60 days of their birthday while maintaining the same plan. Furthermore, it mandates that non-age eligible persons be charged no more than a "weighted average aged premium rate," which is calculated by averaging the premiums for all age groups 65 and older based on the number of people insured in each group, and these policies cannot have waiting periods or preexisting condition limitations. The bill also clarifies that these changes apply to policies entered into, renewed, amended, or modified on or after January 1, 2027.

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https://wapp.capitol.tn.gov/apps/Billinfo/default.aspx?BillNumber=HB1848&ga=114