Rhode Island Senate Bill S0797

Rhode Island 2023 Regular Session

• Introduced: 3/23/23
• Refer: 3/23/23
• Report Pass: 5/23/23
• Engrossed: 5/30/23
• Refer: 5/31/23

Caption

Medicare Supplement Insurance Policies

Impact

The proposed changes seek to ensure that insurance carriers in Rhode Island are compelled to provide Medicare supplement policies without discriminating against individuals based on health status or prior claims experience. Furthermore, it prohibits the imposition of preexisting condition exclusions on new enrollees. Such measures are expected to enhance the accessibility of healthcare for vulnerable populations, particularly the elderly, who may have faced obstacles under prior regulations when seeking supplemental insurance coverage.

Summary

Bill S0797, titled 'Medicare Supplement Insurance Policies', was introduced to the Rhode Island General Assembly with the aim of amending existing insurance laws to facilitate better access to Medicare supplement policies for eligible residents. Specifically, the act establishes a special enrollment period for individuals eligible for Medicare Part B during a state of emergency. This provision is particularly significant for those who have remained in the Rhode Island medical assistance program yet wish to transition to Medicare coverage without facing barriers typically associated with enrollment at that stage.

Contention

During discussions surrounding S0797, notable points of contention emerged. Supporters emphasized the importance of easing insurance enrollment processes for those affected by health emergencies, while critics raised concerns about the potential fiscal impacts on insurance providers. The sunset clause included in the bill, which sets an expiration date of December 31, 2025, was also a focal point for debate, prompting discussions about the long-term sustainability of these provisions and whether they provide adequate protections or merely temporary relief.