Title I, SEC. 1422. STANDARDS FOR SUPPLEMENTAL HEALTH BENEFIT POLICIES. 
      (a) Prohibiting Duplication of Coverage. 

        (1) In general. No health plan, insurer, or any other person may offer 

          (A) to any eligible individual a supplemental health benefit policy 
        that duplicates any coverage provided in the comprehensive benefit 
        package; or 

          (B) to any medicare-eligible individual a supplemental health benefit 
        policy that duplicates any coverage provided under part B of the 
        medicare program. 

        (2) Exception for medicare-eligible individuals. For purposes of this 
      subsection, for the period in which an individual is a medicare-eligible 
      individual and also is an alliance-eligible individual (and is enrolled 
      under a regional alliance or corporate alliance health plan), paragraph 
      (1)(A) (and not paragraph (1)(B)) shall apply. 

      (b) No Limitation on Individuals Offered Policy. 

        (1) In general. Except as provided in paragraph (2), each entity 
      offering a supplemental health benefit policy must accept for enrollment 
      every individual who seeks such enrollment, subject to capacity and 
      financial limits. 

        (2) Exception for certain offerors. Paragraph (1) shall not apply to 
      any supplemental health benefit policy offered to an individual only on 
      the basis of 

          (A) the individual's employment (in the case of a policy offered by 
        the individual's employer); or 

          (B) the individual's membership or enrollment in a fraternal, 
        religious, professional, educational, or other similar organization. 

      (c) Restrictions on Marketing Abuses. Not later than January 1, 1996, the 
    Board shall develop (in consultation with the States) minimum standards 
    that prohibit marketing practices by entities offering supplemental health 
    benefit policies that involve: 

        (1) Providing monetary incentives for or tying or otherwise 
      conditioning the sale of the policy to enrollment in a regional alliance 
      health plan of the entity. 

        (2) Using or disclosing to any party information about the health 
      status or claims experience of participants in a regional alliance health 
      plan for the purpose of marketing such a policy. 

      (d) Civil Monetary Penalty. An entity that knowingly and willfully 
    violates any provision of this section with respect to the offering of a 
    supplemental health benefit policy to any individual shall be subject to a 
    civil monetary penalty (not to exceed $10,000) for each such violation.