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. 3406ss.

HB 4095 requires Michigan health insurers to process mental health and substance use disorder provider credentialing applications within 60 calendar days (or up to 75 days with justification). Insurers must send written requests for missing information within 10 business days and reimburse providers for covered services if they miss deadlines, using standard in-network rates. This directly affects mental health professionals (like psychologists, licensed social workers, and counselors) seeking to join insurer networks and the insurers themselves. The bill applies to both initial applications and recredentialing, aiming to reduce delays in provider network access.