Insurance: insurers; coverage for certain pediatric autoimmune neuropsychiatric disorders; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406pp.

SB 447 requires Michigan health insurers to cover specific treatments for pediatric autoimmune neuropsychiatric disorders (PANS/PANDAS), including antibiotics, behavioral therapies, immunomodulating medicines, and IVIG therapy. It mandates that coverage for these conditions cannot have higher copays, deductibles, or coinsurance than other treatments, must be authorized promptly for urgent cases, and cannot be denied based on prior treatments or different diagnoses. Insurers must follow evidence-based medical guidelines developed by a consortium of experts when reviewing coverage requests, and the bill specifies standardized ICD-10 coding for billing purposes. This law directly affects children diagnosed with these conditions and all health insurers operating in Michigan, ensuring consistent access to medically necessary care.