MN HF1790

Prohibits health carriers from imposing preexisting condition limitations on Medicare supplement insurance policies during the six-month period after initial Medicare Part B enrollment or during the open enrollment period.

Repeals previous preexisting condition coverage limitations that allowed exclusions during the first six months if applicants were not diagnosed or treated for a condition in the preceding 90 days.

Adds definition of "open enrollment period" as described in federal regulations under Medicare Part C (Code of Federal Regulations, title 42, section 422.62).

Expands guaranteed issue rights to include the open enrollment period, ensuring eligible individuals can enroll in Medicare supplement policies without denial, conditioning, or health-based pricing during these periods.

Modifies application requirements and replacement notices to clarify Medicare supplement coverage rules and disclosure obligations to applicants regarding duplicate coverage and available counseling services.