Bridging the Gap for ALS and Chronic Kidney Disease Act of 2024; enact
Impact
One of the key provisions of HB1098 is the introduction of open enrollment periods for individuals under 65, which allows these individuals to secure insurance without facing restrictions often associated with pre-existing conditions. Further, it mandates that insurers cannot charge premiums for these policies that exceed those charged to individuals aged 65 and older, thereby promoting equitable access to medicare supplement policies. These modifications are likely to lead to improved healthcare outcomes for disabled individuals who have historically encountered barriers related to pre-existing conditions and cost disparities in insurance premiums.
Summary
House Bill 1098, known as the 'Bridging the Gap for ALS and Chronic Kidney Disease Act of 2024,' aims to amend regulations concerning medicare supplement insurance in Georgia. The bill specifically allows for medicare supplement policies to be issued to individuals under 65 years of age who are eligible for medicare due to disability or conditions such as end-stage renal disease. This change intends to enhance access to necessary health insurance protections for younger individuals facing significant health challenges, reflecting a growing recognition of the coverage disparities they face compared to older beneficiaries.
Contention
While the bill addresses significant gaps in medicare supplement coverage for younger individuals, it could spark contention among insurance providers concerned about the financial implications of mandated premium structures and open enrollment. Insurers may argue that the requirement to provide equitable premium rates to younger beneficiaries could lead to increased costs for the coverage offered to older individuals. Additionally, the balance between facilitating access for those under 65 and ensuring that the broader insurance market remains viable will be a point of discussion among legislators, health advocates, and insurance professionals.
Private Review Agents; health insurers to implement and maintain a program that allows for the selective application of reductions in prior authorization requirements; provide
Chronic Kidney Disease Awareness Month in Georgia; March 2023; raise awareness of the need for research, screening programs, and access to care for individuals who suffer from chronic kidney disease; recognize
State Employees' Health Insurance Plan; Board of Community Health from entering into, executing, or renewing a contract with any pharmacy benefits manager that owns or has an ownership interest in any retail pharmacy; prohibit
Relating to the prohibited retail sale and provision to minors of certain over-the-counter weight loss drugs and dietary supplements; providing a civil penalty.
Relating to the prohibited retail sale and provision to minors of certain over-the-counter weight loss drugs and dietary supplements; providing a civil penalty.
An Act To Amend Title 18, Title 29, And Title 31 Of The Delaware Code Relating To Insurance Coverage Of Allergen Introduction Dietary Supplements For Infants.