Michigan House Bill HB5312

Michigan 2023-2024 Regular Session

• Introduced: 11/9/23
• Refer: 11/9/23

Caption

Insurance: health insurers; age eligibility for coverage for annual breast cancer mammography examination; lower. Amends sec. 3406d of 1956 PA 218 (MCL 500.3406d).

Impact

The proposed changes in HB 5312 could significantly impact state health care laws by ensuring that women have guaranteed access to essential breast cancer screenings and treatments. The bill explicitly outlines the coverage requirements for mammography examinations based on age, enhancing the early detection and treatment options available to women. This could lead to a change in health insurance practices, potentially increasing insurance premiums or altering coverage options to accommodate the mandated provisions.

Summary

House Bill 5312 proposes amendments to the Michigan Insurance Code of 1956, specifically Section 3406d. The bill mandates health insurance providers to include coverage for breast cancer diagnostic services, outpatient treatment, and rehabilitative services. This requirement comes with condition stipulations including dollar limits and deductibles that should not be less favorable than those applied to other physical illnesses. The inclusion of these services aims to improve accessibility for patients needing breast cancer treatment and support.

Contention

While proponents of the bill argue that it will promote better health outcomes by ensuring that women have the necessary tools for early diagnosis and treatment of breast cancer, opponents may raise concerns regarding the financial implications for health insurers and the potential for increased premiums. There may also be discussions around whether such mandates infringe upon insurers' abilities to design their policies based on market dynamics. Moreover, the implementation of this bill amid varying opinions about healthcare reform could lead to a broader debate on health insurance regulations in Michigan.