N.J. Admin. Code § 11:4-23B.3

Current through Register Vol. 56, No. 24, December 18, 2024

Section 11:4-23B.3 - Open enrollment

(a) No insurer shall deny or condition the issuance or renewal, or discriminate in the pricing of Medicare supplement policies or contracts available pursuant to section 2 of P.L. 1995, c.229 because of the health status, claims experience, receipt of health care or medical condition of an applicant if the application for a policy or contract is submitted during the six-month period beginning with the first month in which an individual is enrolled for benefits under Medicare Part B or if the application is submitted within six months of August 16, 1995.

(b) Nothing in (a) above shall be construed to prohibit the exclusion of benefits under a policy or contract during the first three months, based on a preexisting condition for which the insured received treatment or was otherwise diagnosed during the six months before the policy or contract became effective, except that this limitation shall not apply to an individual who has, under a prior health benefits policy or contract, with no intervening lapse in coverage, been treated or diagnosed for a condition under that policy or contract or satisfied a three month preexisting condition limitation.