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. 3406mm.

This bill requires health insurance companies in Michigan to review and decide on new mental health provider applications within 60 calendar days of receiving a complete application, or within 45 days if an extension is granted for complex cases like license sanctions. If an insurer fails to approve or deny an application within the required timeframe, the provider must still be reimbursed for covered services submitted after the deadline, using either the insurer's standard in-network rate or the median rate paid to similar providers. The law also mandates that insurers send written requests for missing information within 10 business days and add approved providers to their payment systems and directories promptly. These rules apply to all licensed mental health professionals, including physicians, psychologists, social workers, and therapists, and cover both initial applications and recredentialing.