Rep. Veronica Paiz

Maddy summaryThis bill prohibits health insurance companies in Michigan from covering any medical service if the patient's required copayment or coinsurance exceeds 50% of the total cost. It applies to new policies starting after the law is passed and to existing policies when they are next renewed or changed. If an insurer includes such a high-cost service in a plan, they would be violating this rule, and the state insurance director is authorized to investigate complaints about these violations. The measure aims to ensure that patients do not face excessive out-of-pocket costs for services included in their health insurance coverage.

Maddy summaryThis bill requires businesses that participate in round-up donation programs to clearly disclose which organization will receive the donated funds. By adding a new section to the Michigan Consumer Protection Act, the legislation mandates that these disclosures be made prominently to ensure consumers understand where their money is going. The rule applies to any merchant offering a round-up option where a customer's purchase total is rounded up to the nearest dollar, with the difference donated to a charity or nonprofit. This change aims to increase transparency in charitable giving practices by preventing confusion about the recipient of the contributions.

Maddy summaryThis bill designates a specific section of highway M-11 in Kent County as the "Korean War Veterans Memorial Drive." The affected roadway stretches from the intersection with 3 Mile Road south to the bridge over the Grand River. By amending state highway naming laws, the legislation officially assigns this commemorative name to the route. The change applies immediately and does not alter any traffic rules or funding provisions.

Maddy summaryThis bill amends Michigan's crime victim compensation law to explicitly include reimbursement for pet boarding expenses when a victim must relocate immediately following a crime. The legislation allows victims to receive up to $45,000 total for various out-of-pocket losses, with specific sub-limits for categories such as medical care, counseling, relocation, and funeral costs. By adding pet boarding to the list of eligible expenses, the bill ensures that pet owners can access funds to board their animals while they move to a safer location. The amendment applies to claims filed under the state's existing crime victim services program without changing the overall funding structure or eligibility criteria for other types of compensation.

Maddy summaryThis bill creates the "Used Motor Vehicle Warranty Act" to offer buyers of used cars a short-term cancellation option. It requires dealers selling used vehicles with a purchase price of $50,000 or less to provide customers with a contract that allows them to return the car without cause within two days of purchase. Under this agreement, buyers can drive the vehicle up to 150 miles and have it inspected by a mechanic of their choice during that two-day window. If a customer decides to cancel, they must pay a restocking fee that varies based on the vehicle's price, ranging from $175 to $500. The law excludes motorcycles, off-highway vehicles, and cars costing more than $50,000 from these requirements, and it does not apply to private sales between individuals.

Maddy summaryThis bill restricts health insurance companies in Michigan from covering medical services where the patient's share of the cost, such as copayments or coinsurance, exceeds 50% of the total service price. It directly affects health insurers and the individuals enrolled in their plans by setting a clear limit on how much patients can be charged out-of-pocket for covered benefits. The legislation requires the state insurance director to handle any complaints related to violations of this new rule. Changes made by the bill apply only to new insurance policies or to existing policies when they are renewed or modified after the law takes effect.

Maddy summaryThis bill restricts third-party administrators from creating contracts for health plans that require individuals to pay more than 50% of the cost for specific medical services through copayments or coinsurance. It directly affects insurance companies, healthcare providers, and individuals enrolled in these benefit plans by setting a new financial limit on out-of-pocket costs for covered care. The law gives the state insurance director the authority to investigate and rule on any complaints related to these new restrictions. These rules will apply to new contracts immediately after the bill passes and to existing contracts when they are next renewed or modified.

Maddy summaryThis bill amends Michigan's domestic violence prevention laws to explicitly allow shelters to accept common household pets, such as dogs and cats, alongside victims and their children. By updating the definition of a "family or household member" and revising shelter requirements, the legislation ensures that emergency housing programs can accommodate animals as part of their crisis support services. Prime sponsors, which include local governments and nonprofit organizations, may use state funds to establish or maintain these inclusive shelter programs that offer counseling, legal aid, and other essential resources. The changes aim to remove barriers for victims seeking immediate safety by recognizing the emotional and practical importance of keeping pets during domestic violence situations.

Maddy summaryThis bill establishes the Safe Youth Sports Act to create mandatory safety and training standards for youth sports programs in Michigan. It requires organizing entities, such as local leagues and clubs, to implement basic measures like emergency plans, background checks for adults, and concussion training for coaches and participants. The law also offers an optional advanced tier with additional requirements, including designated safety managers, injury prevention plans, and specialized training on inclusivity and mental health. To support these changes, the state will administer a grant program to help organizations, particularly those serving low-income families, meet the necessary standards. An independent institute will oversee the approval of these standards and maintain a public list of certified organizations.

Maddy summaryHB 6012 prohibits insurance companies in Michigan from denying, canceling, or raising premiums on residential property liability policies based solely on the breed or mix of dogs owned by the policyholder. The bill also bans insurers from asking about or investigating specific dog breeds when underwriting these policies. While the law restricts breed-based decisions, it allows insurers to continue adjusting rates or coverage based on other standard underwriting factors unrelated to dog breeds. This change applies to all residential property liability insurance policies issued or renewed on or after January 1, 2025.