Insurance: health insurers; coverage for treatment of menopause and perimenopause symptoms and waiver of prior authorization for prescription drugs or treatments for menopause and perimenopause symptoms; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406zz.

This bill requires Michigan health insurers to cover medically necessary treatments for menopause and perimenopause symptoms, including FDA-approved hormone therapy. It specifically prohibits insurers from demanding prior authorization, step therapy, or "fail-first" protocols for hormone therapy prescriptions related to these conditions. The law applies directly to health insurance policies sold in Michigan and affects patients experiencing menopause or perimenopause symptoms who seek treatment. Key provisions ensure coverage for treatments without additional administrative barriers typically imposed by insurers. The bill defines menopause as permanent cessation of menstruation and perimenopause as the transitional phase before menopause.