Insurance: health insurers; prescription drug coverage for metastatic cancer; prohibit certain conditions. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406rr.

HB 5204 requires health insurers in Michigan to cover prescription drugs for advanced metastatic cancer without first forcing patients to fail other treatments or prove prior drug failures. It directly affects patients diagnosed with advanced metastatic cancer (cancer that has spread beyond its original site) and their health insurance plans. The law prohibits insurers from imposing conditions like "fail first" requirements or demanding proof of previous drug ineffectiveness before approving coverage for these drugs or related symptoms. This applies to all health insurance policies covering prescription drugs for such cancer cases. The bill defines "advanced metastatic cancer" and "associated conditions" (symptoms or side effects worsening without treatment) to clarify coverage requirements.