Committees & Activities

Senior Issues (B) Task Force
Health Insurance and Managed Care (B) Committee

Mission
The mission of the Senior Issues (B) Task Force is to consider policy issues, develop appropriate regulatory standards and revise the NAIC models, consumer guides and training material, as necessary, on Medicare supplement insurance, senior counseling programs and other insurance issues which affect older Americans.

2014 Charges:

Ongoing Maintenance of NAIC Programs, Products or Services

  1. Develop appropriate regulatory standards and revisions to the NAIC models, consumer guides and training material, as necessary, Medicare supplement insurance, senior counseling programs and other insurance issues which affect older Americans. Essential

  2. Continue to monitor and work with federal agencies to advance appropriate regulatory standards for Medicare Supplement and other forms of health insurance applicable to older Americans. —Essential

  3. Review the Medicare Supplement Insurance Minimum Standards Model Act (#650) and Medicare Supplement Insurance Minimum Standards Regulation (#651) to determine if amendments are required based on changes to federal law and revise if necessary.—Essential

  4. Monitor the Medicare Advantage and Medicare Part D marketplace, assist the states as necessary with regulatory issues, and maintain a dialogue and coordinate with CMS on regulatory issues, including solvency oversight of waived plans and agent misconduct.—Essential

  5. Monitor and assist states in the implementation of changes to the Model Regulation to Implement the NAIC Medicare Supplement Insurance Minimum Standards Model Act (#651) to modernize the Medicare supplement market, as approved by the NAIC in March 2007 as required by the Medicare Improvement for Patients and Providers Act of 2008 and the Genetic Information Nondiscrimination Act of 2008.—Essential

  6. Continue to monitor the changes in the Medicare Supplement insurance market and assist states with implementation of Medicare Supplement Model amendments due to federal statutory changes.—Essential

  7. Provide the perspective of state insurance commissioners to the U.S. Congress, as appropriate, and the Centers for Medicare & Medicaid Services of the U.S. Department of Health and Human Services on insurance issues, including concerning the effect and result of federal activity on the senior citizen health insurance marketplace and regulatory scheme.—Essential

  8. Review and monitor state and federal relations with respect to senior health care initiatives, and other impacts on the states. Work with federal agencies as appropriate.—Essential

  9. Work with the Centers for Medicare & Medicaid Services to revise the annual joint publication, Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare.—Essential

  10. Monitor information on legislation impacting the funding of State Health Insurance Assistance Programs (SHIP).—Important

  11. Assist the states and serve as clearinghouse for information on Medicare Advantage plan activity.—Important

  12. In accordance with changes to the Model Regulation to Implement the NAIC Medicare Supplement Insurance Minimum Standards Model Act (#651) approved by the NAIC in March 2007, monitor and maintain a record of state approvals of all Medicare supplement insurance new or innovative benefits for use by regulators and others.—Important

  13. In accordance with changes to the Model Regulation to Implement the NAIC Medicare Supplement Insurance Minimum Standards Model Act (#651) approved by the NAIC in March 2007, periodically review state approved new or innovative benefits and consider whether to recommend that they be made part of standard benefit plan designs in the model regulation.—Important

  14. Develop appropriate regulatory standards and revisions to the NAIC models, consumer guides and training material, as necessary, on long-term care insurance. Work with federal agencies as appropriate.—Essential

  15. Continue to study and evaluate evolving long-term care insurance product design, rating, suitability and other related factors, and review the existing Long-Term Care Model Act (#640) and Long-Term Care 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 long-term care insurance marketplace.—Essential

  16. Monitor and provide assistance to the States on the implementation of the 2000 rating practices amendments to the Long-Term Care Insurance Model Regulation (#641).—Important

  17. Examine whether there is anything the NAIC can or should do to address possible long-term care insurance reserve deficiencies and rating issues, such as mitigation against rate increases and death spirals.—Essential

  18. In line with the NAIC's current long-term care models, explore options where appropriate, and monitor efforts, to ensure the fair or equal treatment of policyholders, including those in situations where policyholders live in multiple states.—Essential

  19. Examine how regulators should treat the spin-off or transfer of closed blocks of long-term care insurance business to another entity, including process issues related thereto.—Essential

Conference Call Calendar

NAIC conference calls & interim meetings are available on the NAIC Conference Call Calendar. See NAIC's revised policy statement on open meetings.

Advance Materials

Long Term Care Consumer Disclosure (B) Subgroup
Conference Call
Thursday, December 18, 2014
1:00 PM ET/12:00 PM CT

SENIOR ISSUES (B) TASK FORCE
Sunday, November 16, 2014
2:00 – 3:30 p.m.
Washington Marriott Wardman Park—Virginia—Lobby Level

Long Term Care Consumer Disclosure (B) Subgroup
Conference Call
Tuesday, October 28, 2014
1:00 PM ET/10:00 AM PT

Senior Issues (B) Task Force
Conference Call
Monday, September 15, 2014
12:00 PM ET/9:00 AM PST

Go to the exposure draft index.

There are no exposure drafts at this time.

documents and resources
Medigap Innovative Benefit State Survey Results 9/30/14

Materials from Task Force Meeting at 2014 Summer National Meeting
Saturday, August 16, 2014

Amendments to LTC Model Regulation #641 as adopted by Exec/Plenary on 8/19/14

Medigap PPACA (B) Subgroup

CMS Guidance regarding Medigap and federal sequester 9-12-13

LTC Model Bulletin adopted by Exec/Plenary 12/18/13

Interim Meeting on Long-Term Care Insurance Issues
June 10-11, 2013

Public Hearing on Long-Term Care Insurance Issues
2012 Fall National Meeting
Wednesday, November 28, 2012
9:00 AM EDT - 12:00 PM EDT

Medigap Section 3210 of ACA

Letter to Secretary Sebelius about the SHIP program April 4, 2011
Mary Beth Senkewicz Testimony, on behalf of NAIC, on long-term care insurance (Oct. 14, 2009)

2010 Medigap Changes and Implementation

Medigap Preferred Hospital Arrangement Materials

Memorandum of Understanding with CMS

Long Term Care Partnership Program

Medicare Advantage

Related NAIC Publications
Minutes for the four most recent NAIC National Meetings are available free for meeting attendees and members. Members may access minutes via StateNet. If you do not know your User ID or password, please contact the NAIC Help Desk.
Contacts
Media queries should be directed to the NAIC Communications Division at 816-783-8909 or news@naic.org.
Jane Sung
Health Policy Counsel
Phone: 202-471-3979
Fax: 202-471-3972

Brian Webb
Health Policy Team Manager
Phone: 202-471-3978
Fax: 202-471-3972

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