HB 6431 Summary

• Authorizes electronic delivery of insurance notices and documents through email or secure websites, provided insurers obtain affirmative consumer consent and meet specified disclosure requirements.

• Creates new Medicare supplement benefit plan standards for individuals newly eligible for Medicare after December 31, 2019, eliminating Medicare Part B deductible coverage from plans C, F, and F high-deductible and redesignating them as plans D, G, and G high-deductible.

• Requires insurers to establish marketing procedures preventing excessive insurance sales, fair policy comparisons, and verification that applicants do not already have duplicate Medicare supplement coverage.

• Mandates inclusion of specific consumer notices in Medicare supplement policies regarding coverage limitations, replacement policies, and Medicaid suspension rights, with required 30-day review period for advertisements.

• Repeals outdated sections of insurance code and establishes an effective date of March 20, 2019 for implementation of these Medicare supplement policy modifications.