Michigan House Bill HB5076

Michigan 2023-2024 Regular Session

• Introduced: 10/3/23
• Refer: 10/3/23

Caption

Insurance: health insurers; coverage for amino acid-based elemental formula; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406z.

Impact

The bill establishes that coverage for the elemental formula must be provided without any deductibles, copayment, or coinsurance requirements that are less favorable than those applied to other physical illnesses. This provision aligns the treatment of these gastrointestinal conditions with the protections offered for other medical necessities, thereby improving access to critical nutritional therapy for affected individuals.

Summary

House Bill 5076 aims to amend the Michigan insurance code by requiring health insurers to cover amino acid-based elemental formula for specific medical conditions. These conditions include multiple food allergies, eosinophilic disorders, and short bowel syndrome. The intent of the bill is to ensure that patients suffering from these conditions have access to essential medical nutrition that may be necessary for their treatment and recovery, which often isn't fully covered under standard health insurance policies.

Contention

While the bill seeks to support patients with specific health needs, it may also face scrutiny regarding its implications on insurance premiums and coverage structures. Some stakeholders could argue that imposing such mandates on insurers may lead to increased costs overall that could be passed onto consumers in the form of higher premiums or reduced coverage options. Since these types of conditions can vary widely in their impact and prevalence, debates may arise about the appropriateness and necessity of such comprehensive coverage.