AB 180 — Revises provisions governing policies to supplement Medicare. (BDR 57-857)

(Reprinted with amendments adopted on April 19, 2021) FIRST REPRINT A.B.

180–ASSEMBLYWOMAN HANSEN FEBRUARY 25, 2021 ____________ Referred to Committee on Commerce and Labor SUMMARY—Revises provisions governing policies ofto insurancesupplement which provide for the payment of expenses which are not covered by Medicare.

requiring the adoption of certain regulations togoverning require insurers offering policies ofto insurancesupplement whichMedicare provide for the payment of expenses which are not covered by Medicare to offer at least one such policy to provide coverage to certain persons with adisabilities; disability;

LegExistingLegislative federalCounsel’s lawDigest: provides for the Medicare program, which is a public health insurance program for persons 65 years of age and older and specified persons with disabilities who are less than 65 years of age.

(42Existing U.S.C.federal law provides for the Medicare program, which is a public health insurance program for persons 65 years of age and older and specified seq.) Existing law authorizes the Commissioner of Insurance to adopt regulationset relating to the form, content and sale of policies of insurance which provide for the payment of expenses which are not covered by Medicare.

§§(NRS 1395687B.430) etThis seq.)bill Existingdefines law requires the Commissionerterm of“policy Insurance to adoptsupplement regulationsMedicare” relating to therefer form,to contentsuch and sale of policies ofand insurancerequires which provide for the billCommissioner requires an insurer offering such a policy to offeradopt at least one such policyregulations. to provide coverage for persons who are less than 65 years of age and who qualify for Medicare because of a disability.

supplement Medicare to offer all policies that:

(1) provide coverage for personsto who are less than 65 years of age and who qualify for Medicare by reason of disability;

and (2) are guaranteed to be issued under federal law.

This bill additionally requires the Commissioner to adopt regulations that authorize insurers to develop rates for premiums that are specific to such persons.

The Commissioner may[may] shall adopt regulations relating to the form, content and sale of policies of[of - *AB180_R1* – 2 – insurance which provide for the payment of expenses which are not covered byby] -to *AB180*supplement – 2 – Medicare.

The regulations mustmust: require each insurer offering such a policy to offer at least one such policy to provide coverage for persons with a disability who are less than 65 years of age and eligible for Medicare.

of(a) moreRequire thaneach oneinsurer policyoffering ofpolicies healthto insurancesupplement Medicare to theoffer sameall person.lepolicies 3.that:

As(1) usedProvide incoverage thisfor section,persons “Medicare”who meansare theless programthan of65 healthyears insuranceof forage aged persons and personseligible withfor disabilitiesMedicare establishedby pursuantreason to Title XVIII of thedisability, Socialas Securityprescribed Actby (4242 U.S.C.

§ 426(b);

and (2) The insurer is required to issue on a guaranteed issue basis under the provisions of 42 U.S.C.

§ 1395ss.

(b) Authorize insurers to develop rates for premiums that are specific to the persons described in paragraph (a).

2.

The Commissioner may adopt regulations relating to the sale of more than one policy of health insurance to the same person.

3.

As used in this section [,] :

(a) “Medicare” means the program of health insurance for aged persons and persons with disabilities established pursuant to Title XVIII of the Social Security Act (42 U.S.C.

(b) “Policy to supplement Medicare” means a group or individual policy of insurance, or a subscriber contract, other than a policy issued pursuant to section 1876 of the Social Security Act, 42 U.S.C.

§ 1395mm, or pursuant to a demonstration project that is advertised, marketed or designed primarily as a supplement to the reimbursements provided under Medicare for the hospital, medical or surgical expenses of persons eligible for Medicare.

The term does not include Medicare Advantage plans established under Medicare Part C, 42 U.S.C.

§§ 1395w-21 et seq., Outpatient Prescription Drug plans established under Medicare Part D, 42 U.S.C.

§ 1396r-8, or any Health Care Prepayment Plan that provides benefits pursuant to an agreement under section 1833(a)(1)(A) of the Social Security Act, 42 U.S.C.

§ 1395l(a)(1)(A).

H - *AB180**AB180_R1*