This bill prohibits insurance companies in Michigan from using price optimization techniques when setting rates. It defines price optimization as adjusting premiums based on factors unrelated to risk, such as a customer's willingness to pay or their likelihood of switching providers. The law also bans insurers from penalizing customers for shopping around, canceling policies early, or complaining about their coverage. By outlawing these practices, the bill aims to ensure that insurance rates are determined solely by the risk of loss or expense rather than a consumer's financial behavior.
SB 105 requires health plans and nonprofit dental corporations providing dental benefits to offer payment methods that deliver 100% of the payable amount to dentists without charging the dentist a fee to access payment (excluding fees from the dentist's financial institution). Dentists who choose to opt out of a payment method must maintain that choice until they opt back in or sign a new contract. This bill directly affects dentists and dental benefit providers in Michigan, applying to policies delivered, issued, or renewed after the law's effective date. It mandates specific reimbursement structures to reduce financial barriers for dental providers.
Senate Bill 205 amends the public health code to permit physician's private practice offices and urgent care centers to provide information on anatomical gifts and bone marrow donation. These facilities may inquire of new patients whether they are interested in learning about the organ and tissue donor registry. For new patients aged 18 to 45, they may also inquire about interest in bone marrow donation. If a patient requests information, the offices or centers may provide educational materials and contact details for relevant donation programs or the state's organ procurement organization.
HB 4072 requires hospitals and freestanding surgical outpatient facilities to offer patients any unused eye drops or eye ointments after ophthalmic surgical procedures or medical care. This applies when the facility-provided medication was administered to the patient and is required for their ongoing treatment upon discharge. The bill details labeling requirements if a pharmacist dispenses the drug, and assigns the responsibility for patient counseling on its use to the prescribing doctor. This allows patients to take home remaining eye medications for continued care.
SB 415 requires Michigan's medical assistance program to cover group prenatal care services beginning on the bill's effective date. This directly affects pregnant individuals enrolled in Michigan's medical assistance program (like Medicaid) by mandating coverage for a specific type of care. The bill defines "group prenatal care services" as evidence-based, group-based visits that include health assessments, social support, education, and peer interaction in a family-centered setting. These services aim to support pregnant people through shared experiences and structured care, extending into early childhood.
SB 702, the "Medical Debt Protection Act," limits how medical debt can be collected in Michigan. It prohibits interest or late fees for 90 days after a bill is due and caps annual interest at 3%. The bill bans wage garnishment, foreclosure, and other aggressive collection tactics for patients eligible for financial assistance under a healthcare facility’s policy. It also restricts selling medical debt to third parties without strict safeguards, requiring debt buyers to follow specific rules and return debt if a patient qualifies for financial help. The law directly affects patients with medical debt, large healthcare facilities, and medical debt collectors.
SB 1011 creates a new state-regulated program called a small business health pool to offer health coverage to Michigan employers with fewer than 500 employees and eligible self-employed individuals. This initiative requires these businesses to join a nonprofit sponsoring association that meets specific financial and operational standards, ensuring the group is stable and has a legitimate business purpose beyond just providing insurance. The bill establishes rules for how these pools operate, allowing them to be fully insured, level-funded, or self-funded while mandating that they cover essential health benefits and cannot discriminate based on health status or claims history. Additionally, the legislation creates a state-funded reinsurance program to reimburse 60% of catastrophic claims between $75,000 and $250,000 per person to help stabilize premiums. The Department of Insurance will oversee the program by reviewing financial solvency and compliance, but it will not approve insurance rates except for fully insured products.
Senate Bill 144 revises the regulations for physical therapists and physical therapist assistants, primarily impacting how patients can access physical therapy services. The bill eliminates the general requirement for a patient to have a prescription from another healthcare professional to receive physical therapy treatment. It allows physical therapists to treat patients directly, either for a limited period (21 days or 10 treatments) or for injury prevention and fitness, while also clarifying when a physical therapist must refer a patient to another healthcare professional. Additionally, the bill updates the legal definition of the "practice of physical therapy" to clarify what activities are included and excluded from a physical therapist's scope.
SB 451 prohibits consumer reporting agencies in Michigan from including medical debt in credit reports, protecting residents from negative credit impacts due to unpaid medical bills. The law requires collection agencies to disclose this restriction in writing to consumers and forbids them from claiming medical debt will appear on credit reports unless the debt relates to a mortgage exceeding the federal conforming loan limit ($766,550 for 2024). It directly affects consumers who receive medical care but have unpaid bills, as their credit scores will no longer be harmed by such debt. The law also provides legal remedies, including damages and attorney fees, for violations.
SB 450 amends Michigan law to require public hospital boards to follow the Hospital Financial Assistance Act when setting patient payment policies for non-charity care. It directly affects county public hospitals by making their financial assistance policies subject to existing state standards under the Hospital Financial Assistance Act. The bill updates Section 17 of the 1913 Public Act 350 to clarify that hospital trustees' authority over patient fees is governed by this act, ensuring consistent financial assistance rules across public hospitals.
