A law passed in 2015 makes some changes to the coverage offered through Medicare supplement insurance plans in 2020 and beyond.
The Medicare Access and CHIP Reauthorization Act (MACRA) has already made changes to health care, such as creating a new quality payment program for health care providers and updating Medicare cards. Next year, another new provision goes into effect.
Beginning Jan. 1, 2020, MACRA prohibits the sale of Medicare supplement policies that cover Medicare Part B deductibles to “newly eligible” Medicare beneficiaries. These beneficiaries are defined as individuals who: (a) have attained age 65 on or after Jan. 1, 2020; or (b) first become eligible for Medicare due to age, disability, or end-stage renal disease on or after Jan. 1, 2020. See this National Association of Insurance Commissioners white paper for more information.
This means the Part B deductible rider, which is sold in Wisconsin, and Medicare supplement Plans C and F, which are sold outside of Wisconsin, are being restricted to those beneficiaries who become eligible for Medicare prior to Jan. 1, 2020. Beneficiaries already insured with a WPS Medicare supplement insurance plan with the Part B deductible rider or those with Plans C or F are able to keep that coverage. However, if you become eligible for Medicare on or after Jan. 1, 2020, these options are not available for you.
Does MACRA affect you?
Here’s the rundown of situations to help you determine if MACRA impacts your coverage:
- If you are currently age 65 or will be 65 before Jan. 1, 2020, these MACRA changes will not affect you.
- If you first become eligible for Medicare due to age, disability, or end-stage renal disease before Jan. 1, 2020, these MACRA changes will not affect you.
- If you become eligible for Medicare on or after Jan. 1, 2020, these MACRA changes will affect your Medicare supplement coverage options.
Find out more
For more information, you can refer to our MACRA information page. You can also contact your state department of insurance or state health assistance insurance program (SHIP). If you are a WPS Health Insurance Medicare supplement insurance plan customer, your customer ID card includes contact information for our Customer Service team.
In some states, all Medicare supplement plans are offered to qualified individuals under the age of 65 and/or to Medicare-qualified individuals due to disability or end-stage renal disease. The intent of this advertisement is solicitation of insurance, and contact may be made by the insurer or a licensed agent.
Neither Wisconsin Physicians Service Insurance Corporation, nor The EPIC Life Insurance Company, nor their products, nor agents are connected with or endorsed by the United States government or the federal Medicare program. In AZ, CO, IA, KS, NE, OK, PA, TN, and TX, WPS Health Insurance Medicare supplement insurance plans are underwritten by The EPIC Life Insurance Company, a wholly owned subsidiary of Wisconsin Physicians Service Insurance Corporation, the plan administrator. In IL, IN, OH, MI, and WI, Wisconsin Physicians Service Insurance Corporation is the insurer.
These policies have exclusions, reductions of benefits or terms under which the policies may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the insurer. Medicare supplement policy forms: EPIC_OK_PlanA_1710, EPIC_OK_PlanC_1710, EPIC_OK_PlanF_1710, EPIC_OK_PlanG_1710, EPIC_OK_PlanK_1710, EPIC_OK_PlanL_1710, and EPIC_OK_PlanN_1710; [PA_PlanA_1710, PA_PlanB_1710, PA_PlanC_1710, PA_PlanF_1710, PA_PlanG_1710, PA_PlanK_1710, PA_PlanL_1710, and PA_PlanN_1710; EPIC_TN_PlanA_1710, EPIC_TN_PlanC_1710, EPIC_TN_PlanF_1710, EPIC_TN_PlanG_1710, EPIC_TN_PlanK_1710, EPIC_TN_PlanL_1710, and EPIC_TN_PlanN_1710]. The EPIC Life Insurance Company and Wisconsin Physicians Service Insurance Corporation comply with applicable federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, or sex.
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