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26.5 MAPP Premiums ............................................................................................................................... 368 26.5.1 Calculation ................................................................................................................................. 368 26.5.1.1 Independence Account Penalty .......................................................................................... 369 26.5.2 Initial Premium ........................................................................................................................... 370 26.5.3 Ongoing Premiums ..................................................................................................................... 371 26.5.4 Payment Information ................................................................................................................. 371 26.5.4.1 Payment Methods ............................................................................................................... 371 26.5.4.2 Advance Payments .............................................................................................................. 372 26.5.4.3 Excess Payments ................................................................................................................. 372 26.5.5 Late Payment of Premium ......................................................................................................... 373 26.5.6 Non-Payment of Premium ......................................................................................................... 373 26.5.6.1 Partial Payments ................................................................................................................. 374 26.5.7 Temporary MAPP Premium Waivers due to Hardship .............................................................. 374 26.6 Opting Out ......................................................................................................................................... 377 26.7 MAPP Changes .................................................................................................................................. 377 26.7.1 MAPP Changes Introduction ...................................................................................................... 377 26.7.2 Premium Changes ...................................................................................................................... 377 26.8 MAPP Prepaid Deductibles ............................................................................................................... 378 26.9 MAPP Notices .................................................................................................................................... 378 26.10 Reserved ......................................................................................................................................... 378 27.1 Institutions ........................................................................................................................................ 379 27.1.1 Institutions Introduction ............................................................................................................ 379 27.1.2 Institutions for Mental Disease .................................................................................................. 379 27.1.2.1 Eligible Age .......................................................................................................................... 379 27.1.2.2 Temporary Leave ................................................................................................................ 379 27.1.2.3 Children and Young Adults in IMD ...................................................................................... 380 27.1.3 Hospitals ..................................................................................................................................... 380 27.1.4 Minors in a Medical Institution .................................................................................................. 380 27.2 ILTC Licensing and Certification ........................................................................................................ 381 27.3 ILTC Facilities Not Medicaid Certified ............................................................................................... 381 27.4 ILTC Definitions ................................................................................................................................. 381 27.4.1 Institutionalized Person ............................................................................................................. 381 27.4.2 Community Spouse .................................................................................................................... 382 27.4.3 SSI Recipient and Institutional Medicaid Application ................................................................ 382 27.5 ILTC Financial ..................................................................................................................................... 382