(f) A Medicare supplement policy or certificate issued under this section must be guaranteed renewable and

1. (1) the issuer may not cancel or nonrenew the policy solely on the ground of health status of the individual;
2. (2) the insurer may not cancel or nonrenew the policy for any reason other than nonpayment of premium or material misrepresentation by the individual;

3. (3) if the Medicare supplement policy or certificate is terminated by the group policyholder and is not replaced under (5) of this subsection, the issuer shall offer each certificate holder an individual Medicare supplement policy that, at the option of the certificate holder provides for

   1. (A) continuation of the benefits contained in the group policy; or
   2. (B) benefits that otherwise meet the requirements of (a) - ( l) of this section;

4. (4) if an individual is a certificate holder in a group Medicare supplement policy and the individual terminates membership in the group, the issuer shall

   1. (A) offer the certificate holder an opportunity to convert the group policy under (3) of this subsection; or
   2. (B) at the option of the group policyholder, offer the certificate holder continuation of coverage under the group policy; and
5. (5) if a group Medicare supplement policy is replaced by another group Medicare supplement policy purchased by the same policyholder, the issuer of the replacement policy shall offer coverage to all individuals covered under the old group policy on its date of termination; coverage under the new group policy may not result in any exclusion for preexisting conditions that would have been covered under the group policy that is being replaced.

(l) Reinstatement of the coverage described in (i) and (k) of this section

1. (1) may not provide for any waiting period with respect to the treatment of preexisting conditions;
2. (2) must provide for the resumption of coverage that is substantially equivalent to coverage in effect before the date of the suspension; and
3. (3) must provide for classification of premiums on terms at least as favorable to the policyholder or certificate holder as the premium classification terms that would have applied to the policyholder or certificate holder had the coverage not been suspended.

(m) An issuer shall make available a policy or certificate including only the basic core benefits to a prospective insured. An issuer may make available to a prospective insured Medicare supplement insurance benefit plans "A" - "D," plan "F," high deductible plan "F," plan "G," high deductible plan "G", and plans "M," and "N" in addition to the basic core benefits, but not instead of them. The basic core benefits must contain

1. (1) coverage of Medicare Part A eligible expenses for hospitalization to the extent not covered by Medicare from the 61st day through the 90th day in any Medicare benefit period;
2. (2) coverage of Medicare Part A eligible expenses incurred for hospitalization to the extent not covered by Medicare for each Medicare lifetime inpatient reserve day used;
3. (3) upon exhaustion of the Medicare hospital inpatient coverage, including the lifetime reserve days, coverage of 100 percent of the Medicare Part A eligible expenses for hospitalization paid at the applicable prospective payment system (PPS) rate, or other appropriate Medicare standard of payment, subject to a lifetime maximum benefit of an additional 365 days;
4. (4) coverage under Medicare Parts A and B for the reasonable cost of the first three pints of blood, or equivalent quantities of packed red blood cells, as provided under federal regulations, unless replaced in accordance with federal regulations;
5. (5) coverage for the coinsurance amount, or in the case of hospital outpatient department services paid under a prospective payment system, the copayment amount, of Medicare eligible expenses under Medicare Part B regardless of hospital confinement, subject to the Medicare Part B deductible; and
6. (6) coverage of cost sharing for all Medicare Part A eligible hospice care and respite care expenses.

(n) The following additional benefits must be included in Medicare supplement insurance benefit plans "B" - "D," plan "F," high deductible plan "F," plan "G," high deductible plan "G," and plans "M," and "N," as set out in 3 AAC 28.461:

1. (1) coverage for 100 percent of the Medicare Part A inpatient hospital deductible amount per benefit period;
2. (2) coverage for 50 percent of the Medicare Part A inpatient hospital deductible amount per benefit period;
3. (3) coverage for the actual billed charges up to the coinsurance amount from the 21st day through the 100th day in a Medicare benefit period for post-hospital skilled nursing facility care eligible under Medicare Part A;
4. (4) coverage for 100 percent of the Medicare Part B deductible amount per calendar year regardless of hospital confinement;
5. (5) coverage for 100 percent of the difference between the actual Medicare Part B charges as billed, not to exceed any charge limitation established by the Medicare program or state law, and the Medicare-approved Part B charge;
6. (6) coverage to the extent not covered by Medicare for 80 percent of the billed charges for Medicare-eligible expenses for medically necessary emergency hospital, physician, and medical care received in a foreign country, if the care would have been covered by Medicare if provided in the United States and if the care began during the first 60 consecutive days of each trip outside the United States, subject to a calendar year deductible of $250 and a lifetime maximum benefit of $50,000; for purposes of this benefit, "emergency care" means care needed immediately because of an injury or an illness of sudden and unexpected onset.