Insurance: health insurers; prohibition on denying or conditioning coverage of a Medicare supplement policy; expand. Amends sec. 3829 of 1956 PA 218 (MCL 500.3829).

This bill expands protections for Michigan residents purchasing Medicare supplement insurance by prohibiting insurers from denying coverage or charging higher premiums based on health status, medical history, or claims experience. It specifically applies to individuals enrolling during their six-month open enrollment period, those who have had prior coverage, and people switching insurers within 60 days of their birthdate to maintain the same policy. Under the new rules, eligible applicants cannot face preexisting condition exclusions if they have at least six months of continuous creditable coverage, and insurers must offer these policies to everyone regardless of age. The legislation also clarifies which types of insurance do not count as creditable coverage, such as accident insurance, workers' compensation, and limited dental or vision plans.