Healthcare (Insurance)

passed · Michigan · Senate Jul 1, 2025

SB 414: Insurance: health insurers; coverage for group prenatal care services; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ss.

This bill requires Michigan health insurers to cover group prenatal care services for all policyholders. It defines these services as evidence-based, group-based prenatal visits in a family-centered setting that include health assessments, social support, education, and peer interaction. The law applies to all health insurance policies issued in Michigan, directly affecting pregnant individuals and their insurers by mandating coverage for this specific care model.

Topics ✓ HealthcareSupports HealthcareMandates health insurers to cover evidence-based group prenatal care, expanding access to preventive maternal health services under insurance coverage.95% confidence

Sub-Topics Insurance Women's Health

Track

passed · Michigan · Senate Apr 24, 2025

SB 4: Insurance: health insurers; compliance with the prescription drug cost and affordability review act; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406tt. TIE BAR WITH: SB 0003'25

Senate Bill 4 amends Michigan's insurance code to require health insurers that provide prescription drug coverage to comply with section 12 of the prescription drug cost and affordability review act. This means insurers delivering or renewing health policies in the state must adhere to specific provisions outlined in that separate act related to prescription drug costs. The bill's enactment is dependent on Senate Bill No. 3 also becoming law.

Topics ✓ HealthcareSupports HealthcareMandates insurers to comply with prescription drug cost provisions, aiming to improve affordability and patient access to medications under healthcare coverage.95% confidence

Sub-Topics Insurance Prescription Drugs

Track

in committee · Michigan · House Aug 27, 2025

HB 4814: 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.

HB 4814 requires Michigan health insurers to cover medically necessary treatments for menopause and perimenopause (the transition period before menopause), including hormone replacement therapy approved by the FDA. Insurers cannot demand prior authorization, step therapy, or fail-first protocols for these treatments. The bill defines menopause as permanent cessation of menstruation and perimenopause as the transition period near the end of reproductive years. This directly affects all health insurance policyholders in Michigan who need these treatments, ensuring coverage without extra approval hurdles.

Topics ✓ HealthcareSupports HealthcareMandates coverage for menopause/perimenopause treatments without prior authorization, expanding access to essential healthcare services and removing barriers to care.95% confidence

Sub-Topics Insurance

Track

signed · Michigan · House Jul 29, 2026

HB 4207: Insurance: health benefits; excluding federal excepted benefits from a health insurance policy; provide for. Amends sec. 3701 of 1956 PA 218 (MCL 500.3701). TIE BAR WITH: HB 4208'25

HB 4207 amends Michigan's insurance code to exclude "federal excepted benefits" from standard health insurance coverage requirements. It changes the definition of "health benefit plan" to clarify that coverage for specific federal benefits (like certain military or Indian Health Service programs) is not required under state health insurance policies. This directly affects health insurance carriers and policyholders in Michigan by narrowing what must be included in basic health coverage under state law. The bill makes this change by updating Section 3701 of the Insurance Code to exclude these federal benefits from the definition of covered services.

Topics ✗ HealthcareOpposes HealthcareExcludes federal benefits from mandatory coverage requirements, narrowing required health insurance benefits per bill's amendment to MCL 500.3701.95% confidence

Sub-Topics Insurance

in committee · Michigan · House May 20, 2025

HB 4496: Insurance: health insurers; coverage for the dispensing of a 12-month supply of birth control; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406jj.

HB 4496 amends Michigan's insurance code to require health insurance policies to cover a 12-month supply of prescription contraceptives. It mandates that insurers provide coverage for these contraceptives, which are on the health plan's formulary, to be dispensed all at once unless otherwise requested or instructed by a prescriber. The bill also requires coverage for necessary outpatient services related to prescribing or dispensing contraceptives, if other prescription drugs are covered by the policy. While standard cost-sharing like copayments and deductibles can apply, insurers are prohibited from imposing utilization controls that limit the supply to less than 12 months. This measure applies to health insurance policies beginning December 31, 2025.

Topics ✓ HealthcareSupports HealthcareMandates insurers to cover 12-month contraceptive supply, expanding access to reproductive healthcare services and aligning with coverage expansion indicators.95% confidence

Sub-Topics Insurance

Track

passed · Michigan · Senate Apr 17, 2025

SB 32: Insurance: health insurers; provision of information on medical malpractice insurance relating to perinatal care services to the department of health and human services; require on request. Amends sec. 2434 of 1956 PA 218 (MCL 500.2434). TIE BAR WITH: SB 29'25

Senate Bill 32 amends Michigan's insurance code to require insurers offering medical malpractice policies to annually provide specific information. These insurers must submit data about their policies related to perinatal care services to the Department in a manner it determines. Within 60 days, the Department must then forward this information to the Department of Health and Human Services. This data sharing is intended to support a study required under the public health code. The bill will not take effect unless Senate Bill No. 29 also becomes law.

Topics ✓ HealthcareSupports HealthcareBill requires insurers to submit perinatal malpractice data to support public health study under public health code, advancing healthcare policy development.90% confidence

Sub-Topics Insurance Public Health Women's Health

Track

in committee · Michigan · Senate Sep 17, 2025

SB 552: Insurance: health insurers; coverage for a nonopioid analgesic drug for pain treatment; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ll.

SB 552 requires Michigan health insurers to cover non-opioid pain medications prescribed for pain treatment, directly affecting insurers and policyholders. The bill mandates that insurers include such drugs on preferred drug lists within 90 days of FDA approval, prohibits discouraging coverage relative to opioids (e.g., labeling non-opioid drugs as "nonpreferred" when opioids are preferred), and prevents overly restrictive prior authorization for non-opioid options. It does not require insurers to cover specific drugs but ensures equal treatment compared to opioid alternatives in formularies. The law applies to all health insurance policies covering prescription drugs in Michigan.

Topics ✓ HealthcareSupports HealthcareMandates insurer coverage of non-opioid pain meds, prohibits discouraging alternatives to opioids, improving patient access to safer pain management options.95% confidence

Sub-Topics Insurance Prescription Drugs Substance Abuse

Track

passed both · Michigan · House Sep 18, 2025

HB 4713: Insurance: health insurers; definition of health care insurer; include automobile insurers providing personal injury protection coverage. Amends sec. 2 of 1984 PA 323 (MCL 752.1002).

This bill amends Michigan's Health Care False Claim Act to expand the definition of "health care insurer" to include automobile insurers providing personal injury protection (PIP) coverage. PIP coverage pays for medical expenses after car accidents, and this change brings auto insurers into the same legal framework as health insurers for false claim enforcement. Previously, the law applied only to health insurers and self-insured entities, but now false claims related to PIP benefits will be subject to the same standards. This directly affects auto insurance companies operating in Michigan that offer PIP coverage.

Topics ✓ HealthcareSupports HealthcareExpands Health Care False Claim Act to include auto insurers for PIP medical coverage, strengthening enforcement against false claims for accident-related healthcare expenses, thus protecting healthcare resources.90% confidence

Sub-Topics Insurance

Track

passed · Michigan · Senate Jul 1, 2025

SB 400: Insurance: health insurers; prior authorization for certain opioid use disorder and alcohol use disorder medications; prohibit. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ww.

SB 400 prohibits Michigan health insurers from requiring prior authorization for medications treating opioid use disorder or alcohol use disorder. This directly affects health insurance companies and patients seeking these specific treatments, removing a common administrative barrier. The bill amends Michigan’s Insurance Code to explicitly ban prior authorization requirements for these medications, using the existing definition of "prior authorization" from Section 2212e. The law ensures faster access to evidence-based treatment without insurer delays.

Topics ✓ HealthcareSupports HealthcareRemoves prior authorization barriers for opioid/alcohol use disorder medications, improving patient access to essential treatments without administrative delays.95% confidence

Sub-Topics Insurance Substance Abuse

Track

passed · Michigan · Senate Jul 1, 2025

SB 402: Human services: medical services; coverage for street medicine services; require. Amends sec. 109 of 1939 PA 280 (MCL 400.109).

SB 402 requires health insurance plans to cover street medicine services, which provide medical care directly to homeless individuals in non-clinical settings like streets or shelters. The bill amends state law (MCL 400.109) to mandate this coverage, directly affecting homeless residents and healthcare providers offering street-based care. This policy change ensures that street medicine services can be billed through insurance, improving access to healthcare for vulnerable populations who might otherwise avoid traditional clinics. The requirement applies to all health insurers covered under the amended statute.

Topics ✓ HealthcareSupports HealthcareMandates insurance coverage for street medicine services, expanding healthcare access for homeless individuals by requiring insurers to cover non-clinical care.95% confidence

Sub-Topics Insurance Mental Health

Track