New Mexico Administrative Code
Title 13 - INSURANCE
Chapter 10 - HEALTH INSURANCE
Part 25 - MEDICARE SUPPLEMENT INSURANCE MINIMUM STANDARDS
Section 13.10.25.12 - STANDARD MEDICARE SUPPLEMENT BENEFIT PLANS FOR 1990 STANDARDIZED MEDICARE SUPPLEMENT BENEFIT PLAN POLICIES OR CERTIFICATES ISSUED FOR DELIVERY ON OR AFTER JULY 1, 1992 AND PRIOR TO JUNE 1, 2010
Universal Citation: 13 NM Admin Code 13.10.25.12
Current through Register Vol. 35, No. 18, September 24, 2024
A. An issuer shall make available to each prospective policyholder and certificate holder a policy form or certificate form containing only the basic core benefits, as defined in Subsection E of 13.10.25.11 NMAC.
B. No groups, packages or combinations of Medicare Supplement benefits other than those listed in this section shall be offered for sale in this state, except as may be permitted in Subsection G of this section and in 13.10.25.16 NMAC.
C. Benefit plans shall be uniform in structure, language, designation and format to the standard benefit Plans A through L listed in this section and conform to the definitions in 13.10.25.7 NMAC. Each benefit shall be structured in accordance with the format provided in Subsection B, C or D of 13.10.25.11 NMAC and list the benefits in the order shown in this section. For purposes of this section, "structure, language, and format" means style, arrangement and overall content of a benefit.
D. An issuer may use, in addition to the benefit plan designations required in Subsection C of this section, other designations to the extent permitted by law.
E. Make-up of benefit plans:
(1)
Plan A.
Standardized Medicare Supplement benefit Plan A shall be limited to the basic
(core) benefits common to all benefit plans, as defined in Subsection E of
13.10.25.11
NMAC.
(2)
Plan B.
Standardized Medicare Supplement benefit Plan B shall include only the
following: The core benefit as defined in Subsection E of
13.10.25.11
NMAC, plus the Medicare Part A deductible as defined in Paragraph (1) of
Subsection F of
13.10.25.11
NMAC.
(3)
Plan C.
Standardized Medicare Supplement benefit Plan C shall include only the
following: The core benefit as defined in Subsection E of
13.10.25.11
NMAC, plus the Medicare Part A deductible, skilled nursing facility care,
Medicare Part B deductible and medically necessary emergency care in a foreign
country as defined in Paragraphs (1), (2), (3) and (8) respectively of
Subsection F of
13.10.25.11
NMAC.
(4)
Plan D.
Standardized Medicare Supplement benefit Plan D shall include only the
following: The core benefit as defined in Subsection E of
13.10.25.11
NMAC, plus the Medicare Part A deductible, skilled nursing facility care,
medically necessary emergency care in an foreign country and the at-home
recovery benefit as defined in Paragraphs (1), (2), (8) and (10) respectively
of Subsection F of
13.10.25.11.
NMAC.
(5)
Plan E.
Standardized Medicare Supplement benefit Plan E shall include only the
following: The core benefit as defined in Subsection E of
13.10.25.11
NMAC, plus the Medicare Part A deductible, skilled nursing facility care,
medically necessary emergency care in a foreign country and preventive medical
care as defined in Paragraphs (1), (2), (8) and (9) respectively of Subsection
F of
13.10.25.11.
NMAC.
(6)
Plan F.
Standardized Medicare Supplement benefit Plan F shall include only the
following: The core benefit as defined Subsection E of
13.10.25.11
NMAC, plus the Medicare Part A deductible, the skilled nursing facility care,
the Medicare Part B deductible, one-hundred percent of the Medicare Part B
excess charges, and medically necessary emergency care in a foreign country as
defined in Paragraphs (1), (2), (3), (5) and (8) respectively of Subsection F
of
13.10.25.11
NMAC.
(7)
High deductible
Plan F. Standardized Medicare Supplement benefit High Deductible Plan F
shall include only the following: one-hundred percent of covered expenses
following the payment of the annual High Deductible Plan F deductible. The
covered expenses include the core benefit as defined in Subsection E of
13.10.25.11
NMAC, plus the Medicare Part A deductible, skilled nursing facility care, the
Medicare Part B deductible, one-hundred percent of the Medicare Part B excess
charges, and medically necessary emergency care in a foreign country as defined
in Paragraphs (1), (2), (3), (5) and (8) respectively of Subsection F of
13.10.25.11
NMAC. The annual High Deductible Plan F deductible shall consist of
out-of-pocket expenses, other than premiums, for services covered by the
Medicare Supplement Plan F policy, and shall be in addition to any other
specific benefit deductibles. The annual High Deductible Plan F deductible
shall be $1500 for 1998 and 1999, and shall be based on the calendar year. It
shall be adjusted annually thereafter by the secretary to reflect the change in
the Consumer Price Index for all urban consumers for the
12-month period ending with August of the preceding year, and rounded to the
nearest multiple of $10.
(8)
Plan G. Standardized Medicare Supplement benefit Plan G shall
include only the following: The core benefit as defined in Subsection E of
13.10.25.11
NMAC, plus the Medicare Part A deductible, skilled nursing facility care,
eighty percent of the Medicare Part B excess charges, medically necessary
emergency care in a foreign country, and the at-home recovery benefit as
defined in Paragraphs (1), (2), (4), (8) and (10) respectively of Subsection F
of
13.10.25.11
NMAC.
(9)
Plan H.
Standardized Medicare Supplement benefit Plan H shall consist of only the
following: The core benefit as defined in Subsection E of
13.10.25.11
NMAC, plus the Medicare Part A deductible, skilled nursing facility care, basic
prescription drug benefit and medically necessary emergency care in a foreign
country as defined in Paragraphs (1), (2), (6), and (8) respectively of
Subsection F of
13.10.25.11
NMAC. The outpatient prescription drug benefit shall not be included in a
Medicare Supplement policy sold after December 31, 2005.
(10)
Plan I. Standardized
Medicare Supplement benefit Plan I shall consist of only the following: The
core benefit as defined in Subsection E of
13.10.25.11
NMAC, plus the Medicare Part A deductible, skilled nursing facility care,
one-hundred percent of the Medicare Part B excess charges, basic prescription
drug benefit, medically necessary emergency care in a foreign country and
at-home recovery benefit as defined in Paragraphs (1), (2), (5), (6), (8) and
(10) respectively of Subsection F of
13.10.25.11
NMAC. The outpatient prescription drug benefit shall not be included in a
Medicare Supplement policy sold after December 31, 2005.
(11)
Plan J. Standardized
Medicare Supplement benefit Plan J shall consist of only the following: The
core benefit as defined in Subsection E of
13.10.25.11
NMAC, plus the Medicare Part A deductible, skilled nursing facility care,
Medicare Part B deductible, one-hundred percent of the Medicare Part B excess
charges, extended prescription drug benefit, medically necessary emergency care
in a foreign country, preventive medical care and at-home recovery benefit as
defined in Paragraphs (1), (2), (3), (5), (7), (8), (9) and (10) respectively
of Subsection F of
13.10.25.11
NMAC. The outpatient prescription drug benefit shall not be included in a
Medicare Supplement policy sold after December 31, 2005.
(12)
High deductible Plan J.
Standardized Medicare Supplement benefit High Deductible Plan J shall consist
of only the following: one-hundred percent of covered expenses following the
payment of the annual High Deductible Plan J deductible. The covered expenses
include the core benefit as defined in Subsection E of
13.10.25.11
NMAC, plus the Medicare Part A deductible, skilled nursing facility care,
Medicare Part B deductible, one-hundred percent of the Medicare Part B excess
charges, extended outpatient prescription drug benefit, medically necessary
emergency care in a foreign country, preventive medical care benefit and
at-home recovery benefit as defined in Paragraphs (1), (2), (3), (5), (7), (8),
(9) and (10) respectively of Subsection F of
13.10.25.11
NMAC. The annual High Deductible Plan J deductible shall consist of
out-of-pocket expenses, other than premiums, for services covered by the
Medicare Supplement Plan J policy, and shall be in addition to any other
specific benefit deductibles. The annual deductible shall be $1500 for 1998 and
1999, and shall be based on a calendar year. It shall be adjusted annually
thereafter by the secretary to reflect the change in the Consumer Price
Index for all urban consumers for the 12-month period ending with
August of the preceding year, and rounded to the nearest multiple of $10. The
outpatient prescription drug benefit shall not be included in a Medicare
Supplement policy sold after December 31, 2005.
(13)
Plan K and Plan L. Make-up
of two Medicare Supplement plans mandated by the Medicare Prescription
Drug, Improvement and Modernization Act of 2003 (MMA):
(a)
Plan K. Standardized
Medicare Supplement benefit Plan K shall consist of only those benefits
described in Paragraph (1) of Subsection G of 13.10.25.11 NMAC.
(b)
Plan L. Standardized
Medicare Supplement benefit Plan L shall consist of only those benefits
described in Paragraph (2) of Subsection G of 13.10.25.11
NMAC.
F. New or innovative benefits: An issuer may, with the prior approval of the superintendent, offer policies or certificates with new or innovative benefits in addition to the benefits provided in a policy or certificate that otherwise complies with the applicable standards. The new or innovative benefits may include benefits that are appropriate to Medicare Supplement insurance, new or innovative, not otherwise available, cost- effective, and offered in a manner that is consistent with the goal of simplification of Medicare Supplement policies. After December 31, 2005, the innovative benefit shall not include an outpatient prescription drug benefit.
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