Insurance: health insurers; coverage for treatment of menopause and perimenopause symptoms and waiver of prior authorization for prescription drugs or treatments for menopause and perimenopause symptoms; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406zz.

HB 4814 requires Michigan health insurers to cover medically necessary treatments for menopause and perimenopause (the transition period before menopause), including hormone replacement therapy approved by the FDA. Insurers cannot demand prior authorization, step therapy, or fail-first protocols for these treatments. The bill defines menopause as permanent cessation of menstruation and perimenopause as the transition period near the end of reproductive years. This directly affects all health insurance policyholders in Michigan who need these treatments, ensuring coverage without extra approval hurdles.