ID S1143

Prohibits Medicare supplement policies and certificates from containing duplicate benefits provided by Medicare.

Prohibits exclusion or limitation of benefits for losses occurring more than 6 months after coverage effective date based on preexisting conditions; defines preexisting conditions as conditions for which medical advice was given or treatment was recommended or received from a physician within 6 months before coverage effective date.

Authorizes the director to adopt rules establishing standards for Medicare supplement policies covering renewability, eligibility conditions, nonduplication of coverage, probationary periods, benefit limitations, elimination periods, replacement requirements, recurrent conditions, open enrollment, and rating methodologies.

Prohibits attained age rating for all Medicare supplement policies; prohibits issue age rating for policies issued after February 28, 2022; permits community rating.

Authorizes the director to adopt rules establishing minimum standards for benefits, claims payment, marketing practices, compensation arrangements, and reporting practices for Medicare supplement policies and certificates.