(a) A Medicare supplement policy shall provide the minimum benefits required by federal law.
(b) (1) For benefits designed to cover deductibles or coinsurance amounts under Medicare, a Medicare supplement policy shall provide for an automatic change in those benefits to coincide with changes in applicable Medicare deductible and copayment provisions.
(2) Subject to approval by the Commissioner, a carrier may reserve the right in a Medicare supplement policy to change premiums to correspond with changes in benefits under paragraph (1) of this subsection.
(c) Payment of a benefit for a Medicare eligible expense under a Medicare supplement policy may be conditioned on the same or less restrictive payment conditions that apply to a Medicare claim, including the determination of medical necessity.
(d) (1) Unless otherwise expressly authorized under this article or a regulation adopted by the Commissioner under this article, coverage under a Medicare supplement policy may not be subject to any exclusion, limitation, or reduction that is inconsistent with the exclusions, limitations, or reductions under Medicare.
(2) To the extent a benefit is available to the insured under Medicare, a Medicare supplement policy shall provide that coverage for the benefit is not duplicated.
(e) If the insured is receiving medical assistance under Medicaid, a Medicare supplement policy shall provide for the suspension of policy benefits and premiums for a maximum of 24 months.
(f) (1) A Medicare supplement policy, contract, or certificate in force in the State may not provide benefits that duplicate benefits provided by Medicare.
(2) Unless approved by the Commissioner, a Medicare supplement policy may not be offered at an introductory premium rate.
Structure Maryland Statutes
Subtitle 9 - Medicare Supplement Act
Section 15-902 - Legislative Intent
Section 15-903 - Scope of Subtitle
Section 15-904 - Compliance With Subtitle Required; Medicare Select Program
Section 15-905 - Restoration of Benefits
Section 15-906 - Policy Provisions
Section 15-907 - Mammography Screening
Section 15-908 - Approval of Additional Benefits
Section 15-910 - Return of Policy; Refund
Section 15-911 - Minimum Loss Ratio Standards for Policies
Section 15-912 - Specific Standards for Policy Provisions
Section 15-913 - Prohibited Policy Provisions
Section 15-914 - Other Minimum Standards
Section 15-915 - Conformity With Federal Law
Section 15-916 - Medicare Supplement Buyer's Guide
Section 15-917 - Outline of Coverage
Section 15-918 - Informational Brochure
Section 15-919 - Required Statements to Prospective Buyers
Section 15-920 - Caption and Notice Requirements
Section 15-921 - Disclosure of Information About Replacement of Policies
Section 15-922 - Compensation of Insurance Producer and Other Representatives
Section 15-923 - Review of Policy Advertisements
Section 15-925 - Prohibited Solicitations
Section 15-926 - Information to Health Care Financing Administration