Insurance: no-fault; independent medical examinations; create an oversight board and provide for the appointment of independent examiners. Amends secs. 3151 & 3153 of 1956 PA 218 (MCL 500.3151 & 500.3153) & adds sec. 3151a.
Impact
If passed, HB 4565 would significantly alter the landscape of insurance claims in Michigan by creating a formalized structure for medical examinations. This involves appointing physicians according to specific qualifications, which may enhance the reliability of assessments submitted as part of insurance claims. The introduction of the no-fault independent medical examination board represents a novel approach to managing conflicts and ensuring accountability in medical evaluations, potentially reducing the occurrence of disputes surrounding claim legitimacy.
Summary
House Bill 4565 aims to amend the insurance code of Michigan, specifically introducing changes to sections related to personal protection insurance and the processes surrounding medical examinations for claimants. The bill establishes an independent medical examination board tasked with overseeing the conduct of medical examinations. This oversight aims to ensure that examinations related to insurance claims are unbiased and conducted by qualified professionals, reflecting a concerted effort to refine the standards governing medical assessments in the context of insurance claims.
Contention
The bill may face scrutiny and debate over its implications for claimants seeking personal protection insurance benefits. Critics of the proposed changes may argue that while oversight is necessary to ensure fairness, the establishment of a board could lead to gatekeeping practices that may hinder claimants' access to necessary medical evaluations. Additionally, concerns could be raised regarding the qualifications of appointed members and the potential for bias if members are affiliated with the insurance industry. Thus, balancing the need for oversight with the rights of claimants remains a crucial discussion point among stakeholders.
Insurance: no-fault; choice of either an independent medical exam or a utilization review; require. Amends secs. 3151 & 3157a of 1956 PA 218 (MCL 500.3151 & 500.3157a).
Insurance: no-fault; treatment and service for injuries; revise standards and procedures for utilization reviews. Amends sec. 3157a of 1956 PA 218 (MCL 500.3157a).
Insurance: no-fault; treatment and services for injuries; revise limitations on charges. Amends sec. 3157 of 1956 PA 218 (MCL 500.3157). TIE BAR WITH: SB 0531'23
Insurance: no-fault; penalties for lapse of insurance policy; provide waiver for certain individuals. Amends secs. 2118 & 2120 of 1956 PA 218 (MCL 500.2118 & 500.2120) & adds sec. 2116c.
Insurance: no-fault; penalties for lapse of insurance policy; eliminate. Amends secs. 2116b, 2118 & 2120 of 1956 PA 218 (MCL 500.2116b et seq.) & repeals sec. 2116a of 1956 PA 218 (MCL 500.2116a).
Health: occupations; Michigan essential health provider recruitment strategy; expand to include midwives. Amends secs. 2701, 2705, 2709 & 2723 of 1978 PA 368 (MCL 333.2701 et seq.).
Health: occupations; Michigan essential health provider recruitment strategy; expand to include midwives. Amends secs. 2701, 2705, 2709 & 2723 of 1978 PA 368 (MCL 333.2701 et seq.).
Practice of nursing; providing for independent prescriptive authority of Advanced Practice Registered Nurses who meet certain requirements; modifying various provisions of the Oklahoma Pharmacy Act and the Oklahoma Nursing Practice Act. Emergency.
Practice of nursing; providing for independent prescriptive authority of Advanced Practice Registered Nurses who meet certain requirements; modifying various provisions of the Oklahoma Pharmacy Act, the Oklahoma Nursing Practice Act, and the Uniform Controlled Dangerous Substances Act; effective date.
Health occupations: advanced practice registered nurses; scope of practice of registered professional nurses who hold specialty certifications as nurse practitioners; modify. Amends secs. 17201, 17210, 17211a & 17212 of 1978 PA 368 (MCL 333.17201 et seq.) & adds sec. 17210a.