NAC687B.372. Availability of certain policies and certificates offered by Medicare select issuer.

     1. A Medicare select issuer shall offer to each applicant for a Medicare select policy or certificate, at the time of initial purchase, the opportunity to purchase any policies or certificates to supplement Medicare that the Medicare select issuer offers.

     2. Upon request by a policyholder or certificate holder, a Medicare select issuer shall make available the opportunity to purchase a different policy or certificate to supplement Medicare offered by the Medicare select issuer which has comparable or lesser benefits and which does not contain a provision for a restricted network. The Medicare select issuer shall make such policies or certificates available without requiring evidence of insurability if the person has been a policyholder or certificate holder for 6 months or more.

     3. For the purposes of this section, a policy or certificate to supplement Medicare will be considered to have comparable or lesser benefits unless it contains one or more significant benefits not included in the Medicare select policy or certificate being replaced. For the purposes of this subsection, a significant benefit means coverage for the Medicare Part A deductible, coverage for at-home recovery services or coverage for Medicare Part B excess charges.

     (Added to NAC by Comm’r of Insurance, eff. 5-13-96; A by Div. of Insurance by R078-05, 11-17-2005, eff. 9-8-2005 for Plans K and L, and 1-1-2006 for Medicare Part D Prescription Drug Benefit)