Insurance: health insurers; coverage for certain contraception; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406jj.
Impact
The implementation of SB0973 would significantly alter the landscape of health insurance coverage for contraceptives in Michigan. By ensuring that insurers cover over-the-counter options and emergency contraceptives without prescriptions, the bill aims to reduce barriers for individuals seeking these products. However, it is important to note that the coverage provided is still subject to the insurer's standard practices, such as utilization management and prior authorization, which may impact access.
Summary
SB0973, introduced in Michigan, aims to mandate health insurers to provide coverage for certain contraceptives without requiring a prescription. Specifically, the bill states that beginning January 1, 2026, insurers must cover over-the-counter contraception and emergency contraception at in-network pharmacies. This legislative move reflects an effort to enhance accessibility to contraceptive methods, aiding in family planning and reproductive health.
Sentiment
The sentiment surrounding SB0973 appears to be generally positive among proponents who view it as a significant step towards improving reproductive health services. Supporters argue that the ease of access to contraceptives without a prescription can greatly benefit public health. However, there may also be dissenting opinions focusing on the implications for insurance practices and potential increases in insurance premiums as a result of expanded coverage.
Contention
Notable points of contention regarding SB0973 include discussions about the balance between increasing access to healthcare and the potential burden on insurance companies. Concerns may also arise over the cost implications for insurers and how these changes could affect policyholders. Overall, the bill represents a shift towards more comprehensive reproductive health options through insurance, but it will likely face scrutiny related to its broader economic impacts.
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.
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. 3406z.
Insurance: health insurers; coverage for pharmacist prescribing hormonal contraceptives; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406tt.
Insurance: health insurers; coverage for inpatient long-acting reversible contraceptives; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406kk.
Insurance: health insurers; coverage for immunization agents and certain laboratory tests administered and ordered by a pharmacist; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406kk.
Insurance: health insurers; coverage for immunization agents and certain laboratory tests administered and ordered by a pharmacist; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ss.
Human services: medical services; coverage for contraception and emergency contraception; require. Amends 1939 PA 280 (MCL 400.1 - 400.119b) by adding sec. 109q.
An Act to Require Health Insurance Coverage for Federally Approved Nonprescription Oral Hormonal Contraceptives and Nonprescription Emergency Contraceptives