Insurance: health insurers; equitable coverage for behavioral health and substance use disorder treatment; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406hh.

This bill requires health insurers in Michigan to provide coverage for mental health and substance use disorder services under the same conditions as medical and surgical benefits. It mandates that financial limits like deductibles and copayments for behavioral health cannot be more restrictive than those applied to physical health care, and it ensures that non-financial restrictions, such as visit caps or pre-authorization rules, are applied equally to both types of care. The legislation also clarifies how insurers can structure different provider tiers or prescription drug plans, ensuring that mental health and substance use benefits are not treated less favorably within those structures. By aligning state requirements with federal parity laws, the bill aims to eliminate discriminatory practices in health insurance plans affecting these specific health conditions.