Insurance: no-fault; reimbursement for physical therapy; include therapy under supervision of advance practice registered nurse. Amends sec. 3107b of 1956 PA 218 (MCL 500.3107b).
Impact
The bill's adjustments could significantly impact how personal protection insurance coverage is interpreted and implemented in Michigan. By delineating what types of services will not be covered, the bill aims to clarify reimbursement structures and potentially reduce costs for insurance providers. However, this change raises concerns regarding access to care for patients who may need therapies to be covered, possibly resulting in higher out-of-pocket expenses for insured individuals seeking these services.
Summary
House Bill 6252 seeks to amend the Michigan Insurance Code of 1956 by making specific adjustments to the reimbursement requirements within personal protection insurance coverage. The bill proposes that expenses incurred from certain services rendered by optometrists, chiropractors, and physical therapists will not be mandatorily covered under personal protection insurance unless they meet specific criteria outlined in the law. Notably, chiropractic services rendered before a specified date and physical therapy must be undertaken under the supervision of a licensed practitioner to qualify for reimbursement.
Contention
Opponents of HB6252 may argue that the changes could limit access to necessary healthcare services for individuals requiring physical therapy, especially those not covered by an advanced practice registered nurse's supervision. The contention arises from the balance between reducing insurance costs and ensuring patient access to various health services, reflecting broader debates about the role of insurance in facilitating healthcare access amidst rising costs.
Health facilities: certificate of need; nonprofit health care corporation reform act; amend to reflect amendments to the public health code. Amends secs. 401, 417 & 502 of 1980 PA 350 (MCL 550.1401 et seq.). TIE BAR WITH: HB 5477'24
Insurance: health insurers; coverage for gynecological and perinatal services; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406cc.
Human services: medical services; Medicaid coverage for fertility preservation; provide for. Amends 1939 PA 280 (MCL 400.1 - 400.119b) by adding sec. 109p.
Insurance: health insurers; coverage for intermediate and outpatient care for substance use disorder; modify. Amends secs. 2212e & 3425 of 1956 PA 218 (MCL 500.2212e & 500.3425).
Insurance: health benefits; hearing aids for children; require coverage for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406z. TIE BAR WITH: HB 4963'23
Insurance: health insurers; coverage for intermediate and outpatient care for substance use disorder; modify. Amends secs. 2212e & 3425 of 1956 PA 218 (MCL 500.2212e & 500.3425).
Insurance: insurers; insurance providers to panel a mental health provider within a certain time period of application process; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406z.