Authority: IC 27-8-13

Affected: IC 27-8-13-1

Sec. 1. (a) The standards and requirements set forth in 760 IAC 3-7.1-1 apply to all Medicare supplement policies or certificates delivered or issued for delivery to individuals newly eligible for Medicare on or after January 1, 2020, with the following exceptions:

1. (1) Standardized Medicare supplement benefit Plan C is redesignated as Plan D and shall provide the benefits contained in 760 IAC 3-7.1-1(f)(3), but shall not provide coverage for one hundred percent (100%) or any portion of the Medicare Part B deductible.
2. (2) Standardized Medicare supplement benefit Plan F is redesignated as Plan G and shall provide the benefits contained in 760 IAC 3-7.1-1(f)(5), but shall not provide coverage for one hundred percent (100%) or any portion of the Medicare Part B deductible.
3. (3) Standardized Medicare supplement benefit Plan F with high deductible is redesignated as Plan G with high deductible and shall provide the benefits contained in 760 IAC 3-7.1-1(f)(6), but shall not provide coverage for one hundred percent (100%) or any portion of the Medicare Part B deductible. The Medicare Part B deductible paid by the beneficiary shall be considered an out-of-pocket expense in meeting the annual high deductible.
4. (4) Standardized Medicare supplement benefit Plans C, F, and F with high deductible may not be offered to individuals newly eligible for Medicare on or after January 1, 2020.
5. (5) Reference to Plans C or F contained in 760 IAC 3-7.1-1(b) is deemed a reference to Plans D or G for purposes of this rule.

(b) This rule applies only to individuals who are newly eligible for Medicare on or after January 1, 2020, by reason of:

1. (1) attaining sixty-five (65) years of age on or after January 1, 2020; or
2. (2) entitlement to benefits under Part A to Section 226(b) or 226A of the Social Security Act, or who is deemed to be eligible for benefits under Section 226(a) of the Social Security Act on or after January 1, 2020.

(c) For purposes of 760 IAC 3-7.1-1(c), 760 IAC 3-7.1-1(d), and 760 IAC 3-7.1-1(e), in the case of any individual newly eligible for Medicare on or after January 1, 2020, any reference to a Medicare supplement policy C or F (including F with high deductible) shall be deemed to be a reference to a Medicare supplement policy D or G (including G with high deductible), respectively, that meet the requirements of subsection (a).

(d) In the case of a state described in Section 1882(p)(6) of the Social Security Act, coverage of the Medicare Part B deductible for any Medicare supplement policy sold or issued to an individual who is newly eligible for Medicare on or after January 1, 2020, is prohibited.

(e) On or after January 1, 2020, the standardized benefit plans described in subsection (a)(4) may be offered to any individual who was eligible for Medicare prior to January 1, 2020, in addition to standardized plans described in 760 IAC 3-7.1-1(f).

(f) The standards set forth in this section are applicable to all Medicare supplement policies or certificates delivered or issued for delivery in this state to individuals newly eligible for Medicare on or after January 1, 2020. No policy or certificate that provides coverage of the Medicare Part B deductible may be advertised, solicited, delivered, or issued for delivery in this state as a Medicare supplement policy or certificate to individuals newly eligible for Medicare on or after January 1, 2020. Benefit plan standards applicable to Medicare supplement policies and certificates issued to individuals eligible for Medicare before January 1, 2020, remain subject to the requirements of 760 IAC 3-6-1 and 760 IAC 3-6.1-1.

(Department of Insurance; 760 IAC 3-7.2-1; filed Sep 11, 2019, 9:47 a.m.: 20191009-IR-760190257FRA; readopted filed Nov 15, 2021, 8:32 a.m.: 20211215-IR-760210419RFA; readopted filed Oct 22, 2025, 3:17 p.m.: 20251119-IR-760240637RFA)