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.
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; compliance with affordable care act coverage; modify. Amends secs. 3403, 3406z, 3406bb & 3406ii of 1956 PA 218 (MCL 500.3403 et seq.).
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 orally administered anticancer chemotherapy; provide equal treatment for. Amends 1956 PA 218 (MCL 500.100 -500.8302) by adding sec. 3406ff.
Insurance: insurers; coverage for certain pediatric autoimmune neuropsychiatric disorders; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406pp.
Insurance: insurers; coverage for certain pediatric autoimmune neuropsychiatric disorders; require. Amends 1956 of 218 (MCL 500.100 - 500.8302) by adding sec. 3406pp.
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.