- Health Insurance and Managed Care (B) Committee
- Consumer Information (B) Subgroup
- Health Innovations (B) Working Group
- Health Actuarial (B) Task Force
- Health Care Reform Actuarial (B) Working Group
- State Rate Review (B) Subgroup
- Health Reserves (B) Subgroup (disbanded)
- Long-Term Care Actuarial (B) Working Group
- Long-Term Care Pricing (B) Subgroup
- Long-Term Care Valuation (B) Subgroup
- Regulatory Framework (B) Task Force
- Accident and Sickness Insurance Minimum Standards (B) Subgroup
- Employee Retirement Income Security Act (ERISA) (B) Working Group
- Health Maintenance Organization (HMO) Issues (B) Subgroup (disbanded)
- Mental Health Parity and Addiction Equity Act (MHPAEA) (B) Working Group
- Pharmacy Benefit Manager Regulatory Issues (B) Subgroup
- Senior Issues (B) Task Force
2021 Adopted Charges
The mission of the Senior Issues (B) Task Force is to: 1) consider policy issues; 2) develop appropriate regulatory standards; and 3) revise, as necessary, the NAIC models, consumer guides and training material on Medicare supplement insurance, long-term care insurance, senior counseling programs and other insurance issues that affect older Americans.
Ongoing Support of NAIC Programs, Products or Services
The Senior Issues (B) Task Force will:
- Develop appropriate regulatory standards and revisions, as necessary, to the NAIC models, consumer guides and training material on Medicare supplement insurance, senior counseling programs and other insurance issues that affect older Americans. Work with federal agencies to advance appropriate regulatory standards for Medicare supplement and other forms of health insurance applicable to older Americans. Review the Medicare Supplement Insurance Minimum Standards Model Act (#650) and the Model Regulation to Implement the NAIC Medicare Supplement Insurance Minimum Standards Model Act (#651) to determine if amendments are required based on changes to federal law. Work with the U.S. Centers for Medicare & Medicaid Services (CMS) to revise the annual joint publication Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare.
- Monitor the Medicare Advantage and Medicare Part D marketplace. Assist the states, as necessary, with regulatory issues. Maintain a dialogue and coordinate with CMS on regulatory issues, including solvency oversight of waived plans and agent misconduct. Assist the states and serve as a clearinghouse for information on Medicare Advantage plan activity.
- Provide the perspective of state insurance regulators to the U.S. Congress, as appropriate, and CMS on insurance issues, including those concerning the effect and result of federal activity on the senior citizen health insurance marketplace and regulatory scheme. Review and monitor state and federal relations with respect to senior health care initiatives and other impacts on the states.
- Monitor developments concerning the State Health Insurance Assistance Programs (SHIPs), including information on legislation impacting the funding of SHIPs. Provide assistance to the states with issues relating to SHIPs and support a strong partnership between SHIPs and CMS. Provide the perspective of state insurance regulators to federal officials, as appropriate, on issues concerning SHIPs.
- Monitor, maintain and review, in accordance with changes to Model #651, a record of state approvals of all Medicare supplement insurance new or innovative benefits for use by state insurance regulators and others. Review state- approved new or innovative benefits and consider whether to recommend that they be made part of standard benefit plan designs in Model #651.
- Develop appropriate regulatory standards and revisions, as necessary, to the NAIC models, consumer guides and training material on long-term care insurance (LTCI), including the study and evaluation of evolving LTCI product design, rating, suitability and other related factors. Review the existing Long-Term Care Insurance Model Act (#640), the Long-Term Care Insurance Model Regulation (#641), the Limited Long-Term Care Insurance Model Act (#642) and the Limited Long-Term Care Insurance Model Regulation (#643) to determine their flexibility to remain compatible with the evolving delivery of long-term care (LTC) services and remain compatible with the evolving LTCI marketplace. Work with federal agencies as appropriate.
- Examine examples of health-related financial exploitation of seniors and work with other NAIC committees, task forces and working groups on possible solutions.
The Long-Term Care Insurance (LTCI) Model Update (B) Subgroup will:
- Review and update Model #640 and Model #641 to determine their flexibility to remain compatible with the evolving delivery of LTC services and the evolving LTCI marketplace.
- Update Model #642 and Model #643 to correlate with Model #640 and Model #641.
- Consider recommendations referred from the Long-Term Care Insurance (EX) Task Force and/or its subgroups.