The bill, S.B. No. 1945, amends the Texas Insurance Code to expand eligibility for Medicare supplement benefit plans to individuals under 65 years of age who are enrolled in Medicare due to disability or end-stage renal disease. It introduces two new sections, 1652.059 and 1652.060, which require entities offering Medicare supplement plans to provide the same coverage to these younger individuals as they do for those 65 and older. Additionally, the bill mandates that the premium rates for these plans must be the same for both age groups.

Furthermore, the bill establishes specific open and special enrollment periods for individuals under 65, allowing them to enroll in Medicare supplement plans without facing denial or discrimination based on health status or preexisting conditions. The enrollment periods include a six-month window starting from the first month of Medicare Part B enrollment, an annual 60-day open enrollment period, and any special enrollment periods designated by the commissioner. The provisions of this bill will take effect on September 1, 2025, and apply to plans delivered or renewed on or after that date.

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