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Medicare Duplication and Coordination

(Title II, Subtitle G)

Effective date: January 1, 1997

  • Clarifies that long-term care policies do not duplicate Medicare benefits.
  • Requires carriers to furnish a disclosure statement at the time of application.
  • Ensures that long-term care insurance policies, home health care, respite care, community-based services and other types of long-term care insurance policies may coordinate with Medicare and will not be in violation of the Medicare anti-duplication laws.
  • Provides relief from pending or future lawsuits based on the premise that either long-term care insurance policies or supplemental insurance policies sold between 1990 and the date of enactment violated the Medicare anti-duplication laws.

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