Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 275 - Medicare Supplement Insurance › Appendix 031-275-C - DISCLOSURE STATEMENTS

Current through 2024-29, July 17, 2024
Instructions for Use of the Disclosure Statements for
				  Health Insurance Policies Sold to Medicare Beneficiaries that Duplicate
				  Medicare
1. Section 1882(d) of the federal Social Security Act [
				  42
				  U.S.C. 1395ss ] prohibits the sale of a
				  health insurance policy (the term policy includes certificate) to Medicare
				  beneficiaries that duplicates Medicare benefits unless it will pay benefits
				  without regard to a beneficiary's other health coverage and it includes the
				  prescribed disclosure statement on or together with the application for the
				  policy.
2. All types of health insurance policies that duplicate
				  Medicare shall include one of the attached disclosure statements, according to
				  the particular policy type involved, on the application or together with the
				  application. The disclosure statement may not vary from the attached statements
				  in terms of language or format (type size, type proportional spacing, bold
				  character, line spacing, and usage of boxes around text).
3. State and federal law prohibits insurers from selling a
				  Medicare supplement policy to a person that already has a Medicare supplement
				  policy except as a replacement policy.
4. Property/casualty and life insurance policies are not
				  considered health insurance.
5. Disability income policies are not considered to provide
				  benefits that duplicate Medicare.
6. Long-term care insurance policies that coordinate with
				  Medicare and other health insurance are not considered to provide benefits that
				  duplicate Medicare.
7. The federal law does not preempt state laws that are more
				  stringent than the federal requirements.
8. The federal law does not preempt existing state form
				  filing requirements.
9. Section 1882 of the federal Social Security Act was
				  amended in Subsection (d)(3)(A) to allow for alternative disclosure statements.
				  The disclosure statements already in Appendix C remain. Carriers may use either
				  disclosure statement with the requisite insurance product. However, carriers
				  should use either the original disclosure statements or the alternative
				  disclosure statements and not use both simultaneously.
Drafting Note
:Insurers
				  insert reference to: outpatient prescription drugs and state health insurance
				  assistance program (SHIP) above when new notices need to be printed after
				  December 31, 2005.
[Original disclosure statement for policies that provide
				  benefits for expenses incurred for an accidental injury only.]
IMPORTANT NOTICE TO PERSONS ON MEDICARE
THIS INSURANCE DUPLICATES SOME MEDICARE
				  BENEFITS
This is not Medicare Supplement Insurance
This insurance provides limited benefits, if you meet the
				  policy conditions, for hospital or medical expenses that result from accidental
				  injury. It does not pay your Medicare deductibles or coinsurance and is not a
				  substitute for Medicare Supplement insurance.
This insurance duplicates Medicare benefits when it
				  pays
:
* hospital or medical expenses up to the maximum stated in
				  the policy
Medicare generally pays for most or all of these
				  expenses.
Medicare pays extensive benefits for medically
				  necessary services regardless of the reason you need them. These
				  include:
* hospitalization
* physician services
*· [outpatient prescription drugs if you are enrolled
				  in Medicare Part D]
* other approved items and services
Before You Buy This Insurance
[TICK] Check the coverage in
all
health
				  insurance policies you already have.
[TICK] For more information about Medicare and Medicare
				  Supplement insurance, review the
Guide to Health Insurance for People
				  with Medicare
, available from the insurance company.
[TICK] For help in understanding your health insurance,
				  contact your state insurance department or state [health] insurance
				  [assistance] program [SHIP].
[Original disclosure statement for policies that provide
				  benefits for specified limited services.]
IMPORTANT NOTICE TO PERSONS ON MEDICARE
THIS INSURANCE DUPLICATES SOME MEDICARE
				  BENEFITS
This is not Medicare Supplement Insurance
This insurance provides limited benefits, if you meet the
				  policy conditions, for expenses relating to the specific services listed in the
				  policy. It does not pay your Medicare deductibles or coinsurance and is not a
				  substitute for Medicare Supplement insurance.
This insurance duplicates Medicare benefits
				  when
:
* any of the services covered by the policy are also covered
				  by Medicare
Medicare pays extensive benefits for medically
				  necessary services regardless of the reason you need them. These
				  include:
* hospitalization
* physician services
* [outpatient prescription drugs if you are enrolled in
				  Medicare Part D]
* other approved items and services
Before You Buy This Insurance
[TICK] Check the coverage in
all
health
				  insurance policies you already have.
[TICK] For more information about Medicare and Medicare
				  Supplement insurance, review the
Guide to Health Insurance for People
				  with Medicare
, available from the insurance company.
[TICK] For help in understanding your health insurance,
				  contact your state insurance department or state [health] insurance
				  [assistance] program [SHIP].
[Original disclosure statement for policies that reimburse
				  expenses incurred for specified diseases or other specified impairments. This
				  includes expense-incurred cancer, specified disease and other types of health
				  insurance policies that limit reimbursement to named medical
				  conditions.]
IMPORTANT NOTICE TO PERSONS ON MEDICARE
THIS INSURANCE DUPLICATES SOME MEDICARE
				  BENEFITS
This is not Medicare Supplement Insurance This insurance
				  provides limited benefits, if you meet the policy conditions, for hospital or
				  medical expenses only when you are treated for one of the specific diseases or
				  health conditions listed in the policy. It does not pay your Medicare
				  deductibles or coinsurance and is not a substitute for Medicare Supplement
				  insurance.
This insurance duplicates Medicare benefits when it
				  pays
:
* hospital or medical expenses up to the maximum stated in
				  the policy
Medicare generally pays for most or all of these
				  expenses.
Medicare pays extensive benefits for medically
				  necessary services regardless of the reason you need them. These
				  include:
* hospitalization
* physician services
* hospice
* [outpatient prescription drugs if you are enrolled in
				  Medicare Part D]
* other approved items and services
Before You Buy This Insurance
[TICK] Check the coverage in
all
health
				  insurance policies you already have.
[TICK] For more information about Medicare and Medicare
				  Supplement insurance, review the
Guide to Health Insurance for People
				  with Medicare
, available from the insurance company.
[TICK] For help in understanding your health insurance,
				  contact your state insurance department or state [health] insurance
				  [assistance] program [SHIP].
[Original disclosure statement for policies that pay fixed
				  dollar amounts for specified diseases or other specified impairments. This
				  includes cancer, specified disease, and other health insurance policies that
				  pay a scheduled benefit or specific payment based on diagnosis of the
				  conditions named in the policy.]
IMPORTANT NOTICE TO PERSONS ON MEDICARE
THIS INSURANCE DUPLICATES SOME MEDICARE
				  BENEFITS
This is not Medicare Supplement Insurance
This insurance pays a fixed amount, regardless of your
				  expenses, if you meet the policy conditions, for one of the specific diseases
				  or health conditions named in the policy. It does not pay your Medicare
				  deductibles or coinsurance and is not a substitute for Medicare Supplement
				  insurance.
This insurance duplicates Medicare benefits because
				  Medicare generally pays for most of the expenses for the diagnosis and
				  treatment of the specific conditions or diagnoses named in the
				  policy.
Medicare pays extensive benefits for medically
				  necessary services regardless of the reason you need them. These
				  include:
* hospitalization
* physician services
* hospice
* [outpatient prescription drugs if you are enrolled in
				  Medicare Part D]
* other approved items and services
Before You Buy This Insurance
[TICK] Check the coverage in
all
health
				  insurance policies you already have.
[TICK] For more information about Medicare and Medicare
				  Supplement insurance, review the
Guide to Health Insurance for People
				  with Medicare
, available from the insurance company.
[TICK] For help in understanding your health insurance,
				  contact your state insurance department or state [health] insurance
				  [assistance] program [SHIP].
[Original disclosure statement for indemnity policies and
				  other policies that pay a fixed dollar amount per day, excluding long-term care
				  policies.]
IMPORTANT NOTICE TO PERSONS ON MEDICARE
THIS INSURANCE DUPLICATES SOME MEDICARE
				  BENEFITS
This is not Medicare Supplement Insurance
This insurance pays a fixed dollar amount, regardless of
				  your expenses, for each day you meet the policy conditions. It does not pay
				  your Medicare deductibles or coinsurance and is not a substitute for Medicare
				  Supplement insurance.
This insurance duplicates Medicare benefits
				  when
:
* any expenses or services covered by the policy are also
				  covered by Medicare
Medicare generally pays for most or all of these
				  expenses.
Medicare pays extensive benefits for medically
				  necessary services regardless of the reason you need them. These
				  include:
* hospitalization
* physician services
* hospice
* [outpatient prescription drugs if you are enrolled in
				  Medicare Part D]
* other approved items and services
Before You Buy This Insurance
[TICK] Check the coverage in
all
health
				  insurance policies you already have.
[TICK] For more information about Medicare and Medicare
				  Supplement insurance, review the
Guide to Health Insurance for People
				  with Medicare
, available from the insurance company.
[TICK] For help in understanding your health insurance,
				  contact your state insurance department or state [health]insurance [assistance]
				  program [SHIP].
[Original disclosure statement for policies that provide
				  benefits upon both an expense-incurred and fixed indemnity basis.]
IMPORTANT NOTICE TO PERSONS ON MEDICARE
THIS INSURANCE DUPLICATES SOME MEDICARE
				  BENEFITS
This is not Medicare Supplement Insurance This insurance pays
				  limited reimbursement for expenses if you meet the conditions listed in the
				  policy. It also pays a fixed amount, regardless of your expenses, if you meet
				  other policy conditions. It does not pay your Medicare deductibles or
				  coinsurance and is not a substitute for Medicare Supplement insurance.
This insurance duplicates Medicare benefits
				  when:
* any expenses or services covered by the policy are also
				  covered by Medicare; or
* it pays the fixed dollar amount stated in the policy and
				  Medicare covers the same event
Medicare generally pays for most or all of these
				  expenses.
Medicare pays extensive benefits for medically
				  necessary services regardless of the reason you need them. These
				  include:
* hospitalization
* physician services
* hospice care
* [outpatient prescription drugs if you are enrolled in
				  Medicare Part D]
* other approved items & services
Before You Buy This Insurance
[TICK] Check the coverage in
all
health
				  insurance policies you already have.
[TICK] For more information about Medicare and Medicare
				  Supplement insurance, review the
Guide to Health Insurance for People
				  with Medicare
, available from the insurance company.
[TICK] For help in understanding your health insurance,
				  contact your state insurance department or state [health] insurance
				  [assistance] program [SHIP].
[Original disclosure statement for other health insurance
				  policies not specifically identified in the preceding statements.]
IMPORTANT NOTICE TO PERSONS ON MEDICARE
THIS INSURANCE DUPLICATES SOME MEDICARE
				  BENEFITS
This is not Medicare Supplement Insurance This insurance
				  provides limited benefits if you meet the conditions listed in the policy. It
				  does not pay your Medicare deductibles or coinsurance and is not a substitute
				  for Medicare Supplement insurance.
This insurance duplicates Medicare benefits when it
				  pays
:
* the benefits stated in the policy and coverage for the same
				  event is provided by Medicare
Medicare generally pays for most or all of these
				  expenses.
Medicare pays extensive benefits for medically
				  necessary services regardless of the reason you need them. These
				  include:
* hospitalization
* physician services
* hospice
* [outpatient prescription drugs if you are enrolled in
				  Medicare Part D]
* other approved items and services
Before You Buy This Insurance
[TICK] Check the coverage in
all
health
				  insurance policies you already have.
[TICK] For more information about Medicare and Medicare
				  Supplement insurance, review the
Guide to Health Insurance for People
				  with Medicare
, available from the insurance company.
[TICK] For help in understanding your health insurance,
				  contact your state insurance department or state [health] insurance
				  [assistance] program [SHIP].
[Alternative disclosure statement for policies that provide
				  benefits for expenses incurred for an accidental injury only.]
IMPORTANT NOTICE TO PERSONS ON MEDICARE
THIS IS NOT MEDICARE SUPPLEMENT INSURANCE
Some health care services paid for by Medicare may also
				  trigger the payment of benefits from this policy.
This insurance provides limited benefits, if you meet the
				  policy conditions, for hospital or medical expenses that result from accidental
				  injury. It does not pay your Medicare deductibles or coinsurance and is not a
				  substitute for Medicare Supplement insurance.
Medicare generally pays for most or all of these
				  expenses.
Medicare pays extensive benefits for medically
				  necessary services regardless of the reason you need them. These
				  include:
* hospitalization
* physician services
* [outpatient prescription drugs if you are enrolled in
				  Medicare Part D]
* other approved items and services
This policy must pay benefits without regard to other
				  health benefit coverage to which you may be entitled under Medicare or other
				  insurance.
Before You Buy This Insurance
[TICK] Check the coverage in
all
health
				  insurance policies you already have.
[TICK] For more information about Medicare and Medicare
				  Supplement insurance, review the
Guide to Health Insurance for People
				  with Medicare
, available from the insurance company.
[TICK] For help in understanding your health insurance,
				  contact your state insurance department or state [health] insurance
				  [assistance] program [SHIP].
[Alternative disclosure statement for policies that provide
				  benefits for specified limited services.]
IMPORTANT NOTICE TO PERSONS ON MEDICARE
THIS IS NOT MEDICARE SUPPLEMENT INSURANCE
Some health care services paid for by Medicare may also
				  trigger the payment of benefits under this policy.
This insurance provides limited benefits, if you meet the
				  policy conditions, for expenses relating to the specific services listed in the
				  policy. It does not pay your Medicare deductibles or coinsurance and is not a
				  substitute for Medicare Supplement insurance.
Medicare pays extensive benefits for medically
				  necessary services regardless of the reason you need them. These
				  include:
* hospitalization
* physician services
* [outpatient prescription drugs if you are enrolled in
				  Medicare Part D]
* other approved items and services
This policy must pay benefits without regard to other
				  health benefit coverage to which you may be entitled under Medicare or other
				  insurance.
Before You Buy This Insurance
[TICK] Check the coverage in
all
health
				  insurance policies you already have.
[TICK] For more information about Medicare and Medicare
				  Supplement insurance, review the
Guide to Health Insurance for People
				  with Medicare
, available from the insurance company.
[TICK] For help in understanding your health insurance,
				  contact your state insurance department or state [health] insurance
				  [assistance] program [SHIP].
[Alternative disclosure statement for policies that reimburse
				  expenses incurred for specified diseases or other specified impairments. This
				  includes expense-incurred cancer, specified disease and other types of health
				  insurance policies that limit reimbursement to named medical
				  conditions.]
IMPORTANT NOTICE TO PERSONS ON MEDICARE
THIS IS NOT MEDICARE SUPPLEMENT INSURANCE
Some health care services paid for by Medicare may also
				  trigger the payment of benefits from this policy. Medicare generally pays for
				  most or all of these expenses.
This insurance provides limited benefits, if you meet the
				  policy conditions, for hospital or medical expenses only when you are treated
				  for one of the specific diseases or health conditions listed in the policy. It
				  does not pay your Medicare deductibles or coinsurance and is not a substitute
				  for Medicare Supplement insurance.
Medicare generally pays for most or all of these
				  expenses.
Medicare pays extensive benefits for medically
				  necessary services regardless of the reason you need them. These
				  include:
* hospitalization
* physician services
* hospice
* [outpatient prescription drugs if you are enrolled in
				  Medicare Part D]
* other approved items and services
This policy must pay benefits without regard to other
				  health benefit coverage to which you may be entitled under Medicare or other
				  insurance.
Before You Buy This Insurance
[TICK] Check the coverage in
all
health
				  insurance policies you already have.
[TICK] For more information about Medicare and Medicare
				  Supplement insurance, review the
Guide to Health Insurance for People
				  with Medicare
, available from the insurance company.
[TICK] For help in understanding your health insurance,
				  contact your state insurance department or state [health] insurance
				  [assistance] program [SHIP].
[Alternative disclosure statement for policies that pay fixed
				  dollar amounts for specified diseases or other specified impairments. This
				  includes cancer, specified disease, and other health insurance policies that
				  pay a scheduled benefit or specific payment based on diagnosis of the
				  conditions named in the policy.]
IMPORTANT NOTICE TO PERSONS ON MEDICARE
THIS IS NOT MEDICARE SUPPLEMENT INSURANCE
Some health care services paid for by Medicare may also
				  trigger the payment of benefits from this policy.
This insurance pays a fixed amount, regardless of your
				  expenses, if you meet the policy conditions, for one of the specific diseases
				  or health conditions named in the policy. It does not pay your Medicare
				  deductibles or coinsurance and is not a substitute for Medicare Supplement
				  insurance.
Medicare pays extensive benefits for medically
				  necessary services regardless of the reason you need them. These
				  include:
* hospitalization
* physician services
* hospice
* [outpatient prescription drugs if you are enrolled in
				  Medicare Part D]
* other approved items and services
This policy must pay benefits without regard to other
				  health benefit coverage to which you may be entitled under Medicare or other
				  insurance.
Before You Buy This Insurance
[TICK] Check the coverage in
all
health
				  insurance policies you already have.
[TICK] For more information about Medicare and Medicare
				  Supplement insurance, review the
Guide to Health Insurance for People
				  with Medicare
, available from the insurance company.
[TICK] For help in understanding your health insurance,
				  contact your state insurance department or state [health] insurance
				  [assistance] program [SHIP].
[Alternative disclosure statement for indemnity policies and
				  other policies that pay a fixed dollar amount per day, excluding long-term care
				  policies.]
IMPORTANT NOTICE TO PERSONS ON MEDICARE
THIS IS NOT MEDICARE SUPPLEMENT INSURANCE
Some health care services paid for by Medicare may also
				  trigger the payment of benefits from this policy.
This insurance pays a fixed dollar amount, regardless of your
				  expenses, for each day you meet the policy conditions. It does not pay your
				  Medicare deductibles or coinsurance and is not a substitute for Medicare
				  Supplement insurance.
Medicare generally pays for most or all of these
				  expenses.
Medicare pays extensive benefits for medically
				  necessary services regardless of the reason you need them. These
				  include:
* hospitalization
* physician services
* hospice
* [outpatient prescription drugs if you are enrolled in
				  Medicare Part D]
* other approved items and services
This policy must pay benefits without regard to other
				  health benefit coverage to which you may be entitled under Medicare or other
				  insurance.
Before You Buy This Insurance
[TICK] Check the coverage in
all
health
				  insurance policies you already have.
[TICK] For more information about Medicare and Medicare
				  Supplement insurance, review the
Guide to Health Insurance for People
				  with Medicare
, available from the insurance company.
[TICK] For help in understanding your health insurance,
				  contact your state insurance department or state [health] insurance
				  [assistance] program [SHIP].
[Alternative disclosure statement for policies that provide
				  benefits upon both an expense-incurred and fixed indemnity basis.]
IMPORTANT NOTICE TO PERSONS ON MEDICARE
THIS IS NOT MEDICARE SUPPLEMENT INSURANCE
Some health care services paid for by Medicare may also
				  trigger the payment of benefits from this policy.
This insurance pays limited reimbursement for expenses if you
				  meet the conditions listed in the policy. It also pays a fixed amount,
				  regardless of your expenses, if you meet other policy conditions. It does not
				  pay your Medicare deductibles or coinsurance and is not a substitute for
				  Medicare Supplement insurance.
Medicare generally pays for most or all of these
				  expenses.
Medicare pays extensive benefits for medically
				  necessary services regardless of the reason you need them. These
				  include:
* hospitalization
* physician services
* hospice care
* [outpatient prescription drugs if you are enrolled in
				  Medicare Part D]
* other approved items & services
This policy must pay benefits without regard to other
				  health benefit coverage to which you may be entitled under Medicare or other
				  insurance.
Before You Buy This Insurance
[TICK] Check the coverage in
all
health
				  insurance policies you already have.
[TICK] For more information about Medicare and Medicare
				  Supplement insurance, review the
Guide to Health Insurance for People
				  with Medicare
, available from the insurance company.
[TICK] For help in understanding your health insurance,
				  contact your state insurance department or state [health] insurance
				  [assistance] program [SHIP].
[Alternative disclosure statement for other health insurance
				  policies not specifically identified in the preceding statements.]
IMPORTANT NOTICE TO PERSONS ON MEDICARE
THIS IS NOT MEDICARE SUPPLEMENT INSURANCE
Some health care services paid for by Medicare may also
				  trigger the payment of benefits from this policy.
This insurance provides limited benefits if you meet the
				  conditions listed in the policy. It does not pay your Medicare deductibles or
				  coinsurance and is not a substitute for Medicare Supplement insurance.
Medicare generally pays for most or all of these
				  expenses.
Medicare pays extensive benefits for medically
				  necessary services regardless of the reason you need them. These
				  include:
* hospitalization
* physician services
* hospice
* [outpatient prescription drugs if you are enrolled in
				  Medicare Part D]
* other approved items and services
This policy must pay benefits without regard to other
				  health benefit coverage to which you may be entitled under Medicare or other
				  insurance.
Before You Buy This Insurance
[TICK] Check the coverage in
all
health
				  insurance policies you already have.
[TICK] For more information about Medicare and Medicare
				  Supplement insurance, review the
Guide to Health Insurance for People
				  with Medicare
, available from the insurance company.
[TICK] For help in understanding your health insurance,
				  contact your state insurance department or state [health] insurance
				  [assistance] program [SHIP].