Michigan House Bill HB5084

Michigan 2023-2024 Regular Session

• Introduced: 10/4/23
• Refer: 10/4/23

Caption

Insurance: health insurers; coverage for examinations and medications related to breast cancer; provide for. Amends sec. 3406d of 1956 PA 218 (MCL 500.3406d) & adds sec. 3406z.

Impact

The introduction of HB 5084 is expected to significantly improve the accessibility and affordability of breast cancer-related healthcare services for women in Michigan. By removing the financial barriers typically associated with diagnostic and treatment services, this bill aims to promote early detection and timely treatment of breast cancer, which can lead to better health outcomes. Furthermore, the bill addresses insurance practices related to advanced metastatic cancer, preventing insurers from requiring patients to prove previous treatment failures before providing necessary medication. This aspect is particularly important for patients whose conditions may require expedited access to treatment to ensure their health is not endangered.

Summary

House Bill 5084 seeks to amend the 1956 Michigan Insurance Code by enhancing health insurance coverage related to breast cancer. This legislation mandates that insurers must provide coverage for a range of breast cancer diagnostic, outpatient treatment, and rehabilitative services. Specifically, it stipulates that health insurance policies must include coverage for breast cancer screening mammography, diagnostic breast examinations, and supplemental breast examinations according to specific guidelines based on age. The bill also ensures that coverage for these services is not subject to any dollar limits, deductibles, or copayments, which aligns it more favorably with the coverage for physical illnesses.

Contention

Notably, there may be some contention around the implementation of HB 5084, particularly concerning how insurance companies will adapt their policies and practices to meet the new requirements. While the intent of the bill is to enhance patient access to vital services, there may be concerns regarding the potential financial implications for insurers and the broader health insurance market in Michigan. Stakeholders may debate the balance between ensuring comprehensive coverage and managing costs associated with expanded health services. Additionally, the bill may provoke discussions about the broader implications for patient care quality and health equity in the state.