Insurance: health insurers; limitations on duration of inpatient psychiatric admissions; prohibit. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406mm.
Impact
The introduction of SB 0833 is expected to have a positive impact on mental health care access in Michigan. By eliminating the duration-based limitations on inpatient psychiatric services, the bill will promote more comprehensive care for individuals facing mental health challenges. This legislative change emphasizes the importance of adequate mental health support and ensures that treatment is not prematurely terminated due to arbitrary time constraints set by insurance providers.
Summary
Senate Bill 0833 aims to amend the 1956 PA 218, which is part of Michigan's insurance code, specifically by adding a new section (3406mm) that addresses limitations on the coverage for inpatient psychiatric services. The key provision of this bill stipulates that insurers cannot limit the duration of coverage based on the length of time an insured individual spends in an inpatient psychiatric services setting. This is significant as it seeks to ensure that individuals receiving necessary mental health treatment are not denied coverage simply because of the duration of their stay in treatment facilities.
Contention
While the bill appears to address an essential need for improved mental health services, there may be potential points of contention. Opponents could argue about the potential increase in insurance costs, as insurers might respond to this mandate by raising premiums or adjusting coverage in other areas. Additionally, there might be concerns regarding the adequacy of facilities to handle potentially extended stays for patients. Balancing the rights of patients to receive necessary care with the financial implications for insurance companies and the overall healthcare system will likely be a topic of debate as the bill progresses.
Insurance: health insurers; limitations on duration of inpatient psychiatric admissions; prohibit. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406mm.
Insurance: health insurers; coverage for inpatient long-acting reversible contraceptives; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406kk.
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
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.