MI SB0469

Expands protections for non-age-eligible individuals (those under 65 with disabilities) seeking Medicare supplement policies by prohibiting insurers from denying coverage or discriminating based on health status during their initial 6-month enrollment period

Creates a 6-month enrollment window for existing non-age-eligible Medicare Part B enrollees who were enrolled before the bill's effective date to apply for Medicare supplement policies with the same protections

Requires insurers to charge non-age-eligible applicants no more than the premium rate for a 65-year-old, with no waiting periods or preexisting condition exclusions

Establishes a "birthday rule" allowing current Medicare supplement policyholders to switch to a different insurer within 60 days of their birthday while maintaining the same policy type, without health-based discrimination

Mandates that all Medicare supplement policies available from an insurer must be offered to qualifying applicants regardless of age