Medicare Enrollment Improvement and Protection Act of 1991

Medicare Enrollment Improvement and Protection Act of 1991 - Title I: Improving Enrollment - Amends title XVIII (Medicare) of the Social Security Act to require the Secretary of Health and Human Services' annual notice to Medicare beneficiaries to inform certain low-income Medicare beneficiaries of the requirements to qualify for Medicaid (title XIX of the Social Security Act) payment of their premiums, deductibles, and copayments under Medicare and how to apply for such benefit. Requires the notice described above to be prepared in a manner suitable for posting and distributed to physicians, hospital offices, and other medical facilities.

Requires the Secretary to establish a toll-free telephone number for information about such benefit.

Amends the Medicaid program to require the Secretary to develop a simplified form for applying for such benefit for processing at social security offices.

Amends the Medicare program to provide for mandating direct enrollment of part A (Hospital Insurance) eligibles.

Directs the Secretary to make grants to State agencies and approved organizations for the provision of outreach assistance to older individuals who may be eligible for such benefit. Authorizes appropriations to fund such grant program.

Title II: Retroactivity - Amends the Medicaid program to permit retroactive payments of medical costs incurred by certain low-income Medicare beneficiaries in or after the third month before the month in which such an individual applied to have Medicaid cover such costs.

Title III: Refunds - Allows those individuals whose incomes would have qualified them for Medicaid payment of Medicare costs, but who were not eligible for such benefit because they did not apply, to apply to have such costs refunded.

Title IV: Report - Directs the Secretary to submit reports to the Congress on Department activities to ensure enrollment and full implementation of the program under the Social Security Act for Medicaid payment of Medicare costs and the effectiveness of each such activity, along with any recommendations for appropriate legislation.