Protecting Medicare Beneficiaries with Pre-Existing Conditions Act

This bill, the Protecting Medicare Beneficiaries with Pre-Existing Conditions Act, removes age restrictions for obtaining Medicare supplemental insurance (Medigap) by ensuring all Medicare beneficiaries enrolled in Parts A and B can buy such plans without being denied due to pre-existing health conditions. It specifically eliminates the current requirement that beneficiaries be 65 or older to qualify for guaranteed Medigap coverage. The bill also creates a one-time 6-month enrollment period for individuals previously ineligible due to age but now eligible under the new rules, and extends guaranteed Medigap access to those who disenroll from Medicare Advantage plans. These changes will take effect for new Medigap policies starting January 1, 2025, with full implementation required by 2030.