Insurance: no-fault; coverage and benefits for caregiver reimbursement; modify. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3157c.
Impact
The implications of HB6251 are multifaceted. By establishing a clear charging mechanism that reflects existing contracts, the bill aims to ensure that health care providers receive fair compensation for their services without undue limitations. Furthermore, it specifies penalties for insurance providers if they fail to process claims in a timely manner, mandating that overdue claims result in penalties equal to double the overdue amount. These measures are designed to enhance accountability for insurers and provide stronger financial protections for health care providers.
Summary
House Bill 6251 seeks to amend Michigan's insurance code, specifically in relation to personal protection insurance for accidental bodily injuries. This bill introduces new provisions allowing health care providers to charge specific rates for treatment related to injuries covered by personal protection insurance. The rates are established based on contracts in place on June 10, 2019, providing a framework that aligns coverage and reimbursement rates with previously established agreements between providers and insurers or preferred provider organizations.
Contention
Discussions around HB6251 may raise points of contention, particularly concerning the regulatory framework within which personal protection insurance operates. The ability to set specific rates based on contracts from a specific date could be viewed as beneficial to providers, but may also provoke criticism regarding potential costs to insurers and, by extension, policyholders. As insurance costs may be impacted by these legislative changes, there could be a perceived conflict between provider compensation needs and the overarching goal of maintaining affordable premiums for policyholders. Further, the implementation of penalties for insurers suggests an intended shift towards greater consumer protection but could lead to unintended consequences on the overall insurance market.
Legislative context
In the context of Michigan's insurance landscape, HB6251 represents an effort to clarify the treatment reimbursement process, aiming to address issues that have arisen since previous amendments to the insurance code. While it seeks to enhance the rights of health care providers, it is crucial to observe how these changes resonate in broader legislative discussions about health care access and insurance affordability.
Insurance: no-fault; personal protection insurance benefits; revise definitions in section because of other amendments. Amends sec. 3107c of 1956 PA 218 (MCL 500.3107c). TIE BAR WITH: HB 5307'23
Insurance: no-fault; personal protection insurance benefits; revise definitions in section because of other amendments. Amends sec. 3107c of 1956 PA 218 (MCL 500.3107c). TIE BAR WITH: SB 0905'24
Insurance: no-fault; treatment and services for injuries; revise limitations on charges. Amends sec. 3157 of 1956 PA 218 (MCL 500.3157). TIE BAR WITH: SB 0531'23
Insurance: no-fault; cross reference in the insurance code; amend section to reflect elimination of referenced definition. Amends sec. 3107c of 1956 PA 218 (MCL 500.3107c).
Insurance: no-fault; treatment and service for injuries; revise standards and procedures for utilization reviews. Amends sec. 3157a of 1956 PA 218 (MCL 500.3157a).
Insurance: no-fault; cross-reference to amended section of the insurance code; revise. Amends sec. 2111f of 1956 PA 218 (MCL 500.2111f). TIE BAR WITH: SB 0530'23
Insurance: no-fault; assigned claims plan; require unlimited-level benefit reimbursement for bicyclists. Amends sec. 3172 of 1956 PA 218 (MCL 500.3172).
A bill for an act establishing a veterans recovery pilot program and fund for the reimbursement of expenses related to providing hyperbaric oxygen treatment to eligible veterans.(See HF 574.)