Rhode Island Senate Bill S2073

Rhode Island 2024 Regular Session

• Introduced: 1/12/24
• Refer: 1/12/24
• Report Pass: 5/2/24
• Engrossed: 5/9/24
• Refer: 5/10/24

Caption

Provides a special enrollment period for applicants for Medicare Part B. Also prohibits state insurance carriers from denying/imposing conditions on new enrollees or discriminate on price based upon health status/claims experience/preexisting conditions.

Impact

The enactment of S2073 is set to positively impact individuals enrolled in Medicare. By prohibiting insurance carriers from denying or imposing conditions on new enrollees based on preexisting conditions, health status, or claims experience, it aims to ensure equitable access to necessary health services for vulnerable populations. This can significantly enhance the healthcare landscape in Rhode Island, particularly for those who might struggle with obtaining coverage due to previous medical conditions or changes in assistance programs.

Summary

Senate Bill S2073 introduces a crucial amendment to Rhode Island's Medicare Supplement Insurance Policies, specifically related to the enrollment process for Medicare Part B. The bill establishes a special enrollment period for individuals who are eligible for Medicare Part B, particularly focusing on those who may have lost their access to medical assistance during a state of emergency. This bill enables affected individuals to apply for Medicare supplement policies without the usual restrictions that could hinder their access due to changes in their medical assistance status.

Contention

While S2073 presents clear benefits, it may raise concerns among insurance carriers regarding the potential increase in risk and claims due to the mandated policy changes. Critics of the bill may argue that allowing general access without conditions could lead to higher costs for carriers, which might ultimately be passed on to consumers in the form of higher premiums. Nonetheless, the bill reflects a growing recognition of the importance of accessible healthcare during times of crisis and supports broader public health goals.