02-031-275 Me. Code R. § 23

Current through 2024-52, December 25, 2024
Section 031-275-23 - Prohibition Against Preexisting Conditions, Waiting Periods, Elimination Periods, and Probationary Periods in Replacement Policies or Certificates
A. If a Medicare supplement policy or certificate replaces another Medicare supplement or Medicare Advantage policy or certificate within 90 days, the replacing issuer shall waive any time periods applicable to preexisting conditions, waiting periods, elimination periods, and probationary periods in the new Medicare supplement policy or certificate for similar benefits to the extent such time was spent under the original policy.
B. If a Medicare supplement policy or certificate replaces another Medicare supplement or Medicare Advantage policy or certificate which has been in effect for at least six (6) months, the replacing policy shall not provide any time period applicable to preexisting conditions, waiting periods, elimination periods, and probationary periods for benefits similar to those contained in the original policy or certificate.
C. If a Medicare supplement plan A is issued on a guaranteed issue basis pursuant to 24-A M.R.S.A. §5012, the issuer shall not apply a preexisting condition exclusion, waiting period, elimination period, or probationary period.

02-031 C.M.R. ch. 275, § 23