Insurance: health insurers; coverage for health care services provided through telemedicine; modify. Amends sec. 3476 of 1956 PA 218 (MCL 500.3476).

This bill requires health insurance companies in Michigan to cover telemedicine services at the same level as in-person visits, ensuring patients do not face higher costs or reduced benefits for remote care. Under the new rules, insurers cannot mandate face-to-face contact for services that are clinically appropriate to deliver via secure audio or video technology, provided the healthcare professional is licensed in the patient's state. The law applies to all health insurance policies delivered or renewed in Michigan and defines telemedicine as remote communication using interactive audio, video, or store-and-forward messaging systems. While insurers retain the right to set standard copayments and deductibles, they must allow coverage for telemedicine without requiring physical examinations unless specifically needed for clinical safety.