Medicare Supplement Policies - Issuance - Requirements

SB 134 requires Maryland insurance carriers to issue Medicare supplement policies (Medigap) to specific eligible individuals without denying coverage or charging higher premiums based on health status. It directly affects: (1) people transitioning from Maryland Medicaid to Medicare Part B, (2) individuals who became Medicare-eligible before January 2020, and (3) disabled people under 65 who qualify for Medicare. Key provisions mandate that carriers must sell these policies during defined 63-day enrollment periods following Medicaid disenrollment or qualifying events, and prohibit health-based pricing or denial for plans A and D. The law also requires carriers to offer comparable or lower-benefit plans during birthday renewals starting July 2026.