1. 1. An insurer that offers any Medicare supplemental policy for delivery in this State shall allow a person who is less than 65 years of age and eligible for and enrolled in Medicare on the basis of a disability or end-stage renal disease to purchase any Medicare supplemental policy that the insurer offers to new insureds in this State who are 65 years of age or older.
2. 2. An insurer shall not impose any limitation, term or condition relating to coverage, benefits, protections, policies or procedures with respect to a Medicare supplemental policy issued to a person who is less than 65 years of age pursuant to subsection 1 if the limitation, term or condition is not imposed with respect to a Medicare supplemental policy offered by the insurer to a person who is 65 years of age or older.

3. 3. An insurer shall not charge a person described in subsection 1:

   1. (a) For a Standardized Benefit Plan A, Plan B or Plan D Medicare supplemental policy, a premium rate that exceeds the premium rate that the insurer would charge a person who is exactly 65 years of age for the same Medicare supplemental policy.
   2. (b) For a standardized benefit plan not described in paragraph (a), a premium rate that exceeds 200 percent of the premium rate that the insurer would charge a person who is exactly 65 years of age for the same Medicare supplemental policy.
4. 4. An insurer shall offer to a person who is less than 65 years of age and eligible to purchase a Medicare supplemental policy pursuant to subsection 1 an open enrollment period commencing on the first day of the first month that the person enrolled in coverage pursuant to Medicare Part B, 42 U.S.C. §§ 1395j et seq., and remaining open for at least 6 months thereafter, during which the person may purchase any Medicare supplemental policy made available by the insurer to new insureds in this State.

5. 5. During the open enrollment period offered pursuant to subsection 4, an insurer shall not:

   1. (a) Deny or condition the issuance or effectiveness of a Medicare supplemental policy based on the health status, claims experience, receipt of health care or medical condition of a person described in subsection 4; or
   2. (b) Impose an exclusion of benefits provided under the Medicare supplemental policy based on a preexisting medical condition of a person described in subsection 4.

6. 6. As used in this section, “standardized benefit plan”:

   1. (a) Means a Medicare supplemental policy with a particular package of benefits as required by federal law; and
   2. (b) Includes, without limitation, any Medicare supplemental policy designated as Standardized Benefit Plan A to N, inclusive, any high deductible version of any such plan and any other standardized package of benefits for Medicare supplemental policies that may be established by federal law.

(Added to NRS by 2025, 1911)