Insurance: health insurers; annual and lifetime dollar limits; prohibit. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406z. TIE BAR WITH: HB 4623'23
Impact
HB 4622 has the potential to transform state laws governing health insurance practices by eliminating certain limits that have historically restricted access to critical health services. With this act, individuals seeking needed medical care will not face financial barriers resulting from annual or lifetime coverage limits. Additionally, this legislation necessitates further amendments, as it is tied to House Bill 4623, suggesting a coordinated effort in legislative reform regarding health insurance in Michigan. This could lead to a more standardized approach to health insurance regulations statewide, benefiting consumers.
Summary
House Bill 4622 is a significant piece of legislation aimed at regulating health insurance policies in the state of Michigan. Specifically, the bill prohibits insurers from imposing lifetime and annual dollar limits on essential health benefit coverage. This amendment seeks to enhance the accessibility and affordability of health insurance for residents by ensuring that essential health benefits are provided without stringent financial caps. The bill aligns with broader national health care reforms emphasizing consumer protection and essential health benefits for residents.
Sentiment
The sentiment surrounding HB 4622 appears largely positive, particularly among consumer advocacy groups and healthcare professionals who support enhanced protections for patients. These groups argue that the elimination of limits on essential health benefits is a vital step toward fair healthcare access for all Michiganders. However, some insurance providers may express concerns over potential increases in policy costs or the fiscal sustainability of insurance plans, indicating a nuanced debate that includes financial implications for providers and consumers alike.
Contention
Despite the widespread support for HB 4622's objectives, there are points of contention regarding its implementation. Critics could raise concerns about the financial implications for insurers who may be held accountable for covering comprehensive health benefits without limits. Additionally, there is apprehension about how this legislation interacts with existing federal laws and regulations surrounding health care. The ties to HB 4623 further complicate the discussion, as both bills must successfully pass to bring about the proposed changes, leaving room for scrutiny and debate among lawmakers.
Insurance: insurers; denying or limiting insurance to living organ donors; prohibit. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding secs. 3406z, 3901a & 4002.
Insurance: health insurers; denying coverage for preexisting conditions; prohibit, and prohibit canceling coverage based on health of insured. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ii.
Insurance: health insurers; issuing rebates to an insured if the insured does not meet medical loss ratio; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406jj.
Insurance: health insurers; coverage for mental health screenings for new mothers; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406oo.
Insurance: health insurers; granting third party access to a dental network contract; allow. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406aa.
Insurance: health insurers; compliance with affordable care act coverage; modify. Amends secs. 3403, 3406z, 3406bb, 3406hh & 3406ii of 1956 PA 218 (MCL 500.3403 et seq.).
Insurance: health insurers; discrimination against a health care provider who is acting within the scope of that provider’s license or certification; prohibit. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406jj.
Insurance: health insurers; equitable coverage for behavioral health and substance use disorder treatment; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406hh.
Insurance: health insurers; coverage for orally administered anticancer chemotherapy; provide equal treatment for. Amends 1956 PA 218 (MCL 500.100 -500.8302) by adding sec. 3406ff.
Establishes deadline for DEP implementation of prescribed burn program, and provides for establishment of prescribed burn acreage goals, schedules, calendars, training program, and mobile deployment units to provide on-site prescribed burn training and assistance.