Healthcare (Medicare · Seniors)

HB 4869 creates two guaranteed periods for West Virginia seniors to purchase Medicare Supplement (Medigap) policies without medical underwriting or pre-existing condition exclusions. It provides a 60-day window annually around each individual’s birthday for current policyholders to switch to a policy with the same or fewer benefits, and a 63-day window starting the day after Medicaid eligibility ends for those turning 65 or losing Medicaid. Insurers must offer coverage during these periods but are not required to provide new policies or alter existing benefit structures. The bill also mandates annual reports on Medigap premium trends for legislative review but does not change Medicare Advantage plans or require insurers to offer specific rates.