Bill > S3282

This bill expands guaranteed issue rights for individuals enrolled in Medicare supplement insurance, commonly known as Medigap plans, by allowing them to switch to any available Medigap policy or certificate offered by an insurer. Previously, these guaranteed issue rights were tied to specific enrollment periods like the Medicare Initial Enrollment Period (IEP), which is the first time someone is eligible for Medicare. This bill broadens these rights to include individuals who have had "credible coverage," meaning they've been continuously covered by a Medigap policy or Medicare Advantage plan for at least 90 days, even if they enroll outside of their initial Medigap Open Enrollment Period. This change aims to provide more flexibility and protection for individuals seeking Medigap coverage, ensuring they can switch plans without facing medical underwriting or health status restrictions, particularly when they have maintained continuous coverage.