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Senior Issues (B) Task Force

Mission
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

2020 Proposed Charges

  1. The Senior Issues (B) Task Force will:

    1. 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.
    2. 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.
    3. 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.
    4. 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.
    5. 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.
    6. 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.
    7. Examine examples of health-related financial exploitation of seniors and work with other NAIC committees, task forces and working groups on possible solutions.

2019 Charges:

  1. The Senior Issues (B) Task Force will:

    1. 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 Medicare Supplement Insurance Minimum Standards Regulation (#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.
    2. 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.
    3. 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.
    4. 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.
    5. 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.
    6. 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) and the Long-Term Care Insurance Model Regulation (#641) to determine their flexibility to remain compatible with the evolving delivery of long-term care services and remain compatible with the evolving LTCI marketplace. Work with federal agencies as appropriate.
    7. Examine examples of health-related financial exploitation of seniors and work with other NAIC committees, task forces and working groups on possible solutions.
  2. The Short Duration Long-Term Care Policies (B) Subgroup will:
    1. Create a model to address long-term care products of short duration that are excluded from the Long-Term Care Insurance Model Act (#640) and the Long-Term Care Insurance Model Regulation (#641) but do not quite fit under the Accident and Sickness Insurance Minimum Standards Model Act (#170) and the Model Regulation to Implement the Accident and Sickness Insurance Minimum Standards Model Act (#171).
  3. The Long-Term Care Shopper's Guide (B) Working Group will:
    1. Revise and update A Shopper's Guide to Long-Term Care Insurance.
Senior Issues (B) Task Force - 190924

Conference Call
Tuesday, September 24, 2019
1:00 PM ET, 12:00 PM CT, 11:00 AM MT, 10:00 AM PT
Expected Length of Call: 1 hr

Adoption of 2020 Proposed Charges


Senior Issues (B) Task Force - 190718

Conference Call
Thursday, July 18, 2019
1:00 PM ET, 12:00 PM CT, 11:00 AM MT, 10:00 AM PT
Expected Length of Call: 1 hr 30 minutes

Review and Adoption of Draft Response to Ways and Means Chair


Senior Issues (B) Task Force - 190619

Conference Call
Wednesday, June 19, 2019
1:00 PM ET, 12:00 PM CT, 11:00 AM MT, 10:00 AM PT
Expected Length of Call: 1 hr 30 min

To discuss the letter from House Ways and Means Chairman Richard Neal to the NAIC asking for input on possibly expanding long-term services and supports (LTSS) availability in Medicare Supplemental Insurance (Medigap)

 


190429 - Senior Issues (B) Task Force

Conference Call
Thursday, March 07, 2019
1:00 PM ET, 12:00 PM CT, 11:00 AM MT, 10:00 AM PT
Expected Length of Call: 1 hr

 Organizational call


Senior Issues (B) Task Force

2019 Summer National Meeting
New York
Senior Issues (B) Task Force
Saturday, August 03, 2019
2:15 PM - 3:30 PM ET

Grand Ballroom - 3rd Level

Related NAIC Publications

Contacts

Media Inquiries
(816) 783-8909
news@naic.org


David Torian
Health Policy Analyst and Counsel
Phone: 202-471-3979

Please see the current Committee List for a complete list of committee members.

 

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