Ch. 474                                           LAWS OF MARYLAND

(ii) As otherwise expressly permitted under
this Article or under the rules and regulations adopted by the
Commissioner under this article.

(E) (1) A MEDICARE SUPPLEMENT INSURANCE POLICY, CONTRACT,
OR CERTIFICATE IN FORCE IN THE STATE MAY NOT PROVIDE BENEFITS
WHICH DUPLICATE BENEFITS PROVIDED BY MEDICARE.

(2)  IF AMENDMENTS TO TITLE XVIII OF THE SOCIAL
SECURITY ACT EFFECTIVE ON AND AFTER JANUARY 1, 1989 PROVIDE
BENEFITS UNDER MEDICARE WHICH DUPLICATE ANY OF THE MINIMUM
BENEFITS OF THIS SECTION, THE MINIMUM BENEFITS OF THIS SECTION
SHALL BE REDUCED TO THE EXTENT OF THE DUPLICATION.

(3)   IN THE EVENT THE BENEFITS PROVIDED IN AN EXISTING
MEDICARE SUPPLEMENT POLICY ARE REDUCED IN ACCORDANCE WITH
PARAGRAPH (2) OF THIS SUBSECTION, AND RESULT IN THE LOSS RATIO
STANDARDS FALLING BELOW THE MINIMUM STANDARDS AS ESTABLISHED IN §
468D(B) OF THIS SUBTITLE, THE INSURER SHALL REDUCE THE PREMIUM
UNDER THE POLICY ACCORDINGLY, OR AMEND THE POLICY TO PROVIDE
ADDITIONAL BENEFITS. THE REDUCTION IN PREMIUM OR THE ADDITIONAL
BENEFIT SHALL BE SUBJECT TO APPROVAL OF THE COMMISSIONER.

[(e)] (F) A Medicare supplement policy may not be offered
at an introductory premium rate, unless approved by the
Commissioner.

468CA.

NOTWITHSTANDING ANY OTHER PROVISION OF LAW, A MEDICARE
SUPPLEMENT POLICY MAY NOT DENY A CLAIM FOR LOSSES INCURRED MORE
THAN 6 MONTHS AFTER THE EFFECTIVE DATE OF COVERAGE FOR A
PREEXISTING CONDITION. THE POLICY MAY NOT DEFINE A PREEXISTING
CONDITION MORE RESTRICTIVELY THAN A CONDITION FOR WHICH MEDICAL
ADVICE WAS GIVEN OR TREATMENT WAS RECOMMENDED BY OR RECEIVED FROM
A PHYSICIAN WITHIN 6 MONTHS BEFORE THE EFFECTIVE DATE OF
COVERAGE,

468CB.

(A) EACH MEDICARE SUPPLEMENT POLICY OR     CERTIFICATE SHALL

HAVE A NOTICE PROMINENTLY PRINTED ON THE FIRST   PAGE OF THE POLICY

OR CERTIFICATE OR ATTACHED THERETO STATING   THAT THE APPLICANT
SHALL HAVE THE RIGHT TO:

(1)  RETURN THE POLICY OR CERTIFICATE WITHIN 30 DAYS
OF ITS DELIVERY; AND

(2)  HAVE THE PREMIUM REFUNDED IF, AFTER EXAMINATION
OF THE POLICY OR CERTIFICATE, THE APPLICANT IS NOT SATISFIED FOR
ANY REASON.

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