INDIANAPOLIS – A new bill, SEA, 215 was introduced and passed in Indiana in the spring of 2024. Beginning January 1, 2025, there will be guaranteed issue into Medigap plans for people under 65. After December 31, 2024, any Medicare Supplement Plan (Medigap), or an equivalent, available to those with Medicare must also be available for those with Medicare due to disability or ESRD.
Anyone on Medicare under the age of 65 before January 1, 2025, has a six-month window (Jan. 1 to June 30, 2025) to sign up for a Medigap Plan, guaranteed.
Individuals enrolling into Medicare under the age of 65 after January 1, 2025, will be granted their own six-month guaranteed enrollment window starting from the first day of the month their Medicare begins.
Beginning January 1, 2025, the following rules will apply to health insurance providers:
- Issuers may not deny or condition the issuance of Medicare supplement policy because of health status, claims experience, receipt of health care, or medical condition of an individual
- Issuers may not charge a premium rate for Plans A, B, or D that exceeds the premium rate an issuer charges to those age 65 for the same Medicare supplement policy
- Issuers may not charge a premium rate for any other Medicare supplement policy that exceeds 200% of the premium charged to those age 65 for the same policy
- Issuers may not issue a policy that contains a waiting period or preexisting condition limitation or exclusion
If you have questions about the SEA 215 bill or anything related to Medicare, call SHIP for free, impartial assistance at 1-800-452-4800 or visit Medicare.in.gov/SHIP/.
The State Health Insurance Assistance Program (SHIP) is an impartial health insurance counseling program for people with Medicare and is provided by the Administration for Community Living and the Indiana Department of Insurance. It is part of a State Health Insurance Assistance Programs network available in every state. All services are free.
