Revises provisions relating to Medicare supplemental policies. (BDR 57-1069)

SB 292 requires insurers in Nevada to offer the same Medicare supplemental insurance plans to people under 65 who qualify for Medicare due to disability or end-stage renal disease as they offer to those 65 and older. It prohibits insurers from charging higher premiums (capping at 200% of the 65+ rate) or imposing additional restrictions on these younger enrollees. The bill also creates a 6-month open enrollment period starting when a person first enrolls in Medicare Part B, during which insurers cannot deny coverage or exclude preexisting conditions. These provisions apply to all insurers, including those covering state and local government employees.