Insurance: health insurers; limitations on duration of inpatient psychiatric admissions; prohibit. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406mm.

SB 371 prohibits Michigan health insurers from limiting coverage for inpatient psychiatric care based on the length of a patient's stay. This directly affects health insurers operating in Michigan and individuals receiving inpatient psychiatric treatment. The bill amends Michigan's Insurance Code to add a new provision (Sec. 3406mm) that explicitly bans insurers from imposing duration-based restrictions on such coverage. The key mechanism is a clear prohibition on using time limits as a basis for denying or restricting psychiatric inpatient care coverage. This represents a concrete policy change to ensure continuous coverage for patients needing extended psychiatric hospitalization.