Insurance: health insurers; collaborative care model for mental health care; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406uu.

HB 4685 requires Michigan health insurers to cover specific mental health services delivered through the psychiatric collaborative care model, directly affecting insurers offering mental health benefits and patients seeking these services. The bill mandates reimbursement for services using five designated billing codes (90844, 99492, 99493, 99494, G2214), which represent evidence-based integrated care for mental health and substance use disorders. Insurers may still deny coverage based on medical necessity only if they follow federal parity laws and utilization review rules. The law defines the "psychiatric collaborative care model" as an evidence-based service delivery method described in federal regulations (81 FR 80230). The bill does not alter existing coverage requirements beyond these specific codes.