MI HB5109

Prohibits personal protection insurance from covering optometric services unless specifically included in the definition of optometry practice under Michigan law as of May 20, 1992.

Prohibits personal protection insurance and prudent purchaser agreement coverage from reimbursing for chiropractic services using therapeutic sound or electricity for spinal subluxations unless defined as chiropractic practice under Michigan law as of January 1, 2009.

Requires insurers offering disability insurance with mandatory use of prudent purchaser network providers to also offer an alternative policy without network restrictions and without financial incentives for using network providers.

Prohibits insurers from discriminating against classes of health care providers in prudent purchaser agreements, except when services can legally be provided by only one class or when purchaser specifications exclude no eligible provider classes.

Clarifies that section 3475 requirements for reimbursement to psychologists, podiatrists, and chiropractors do not apply to policies written under prudent purchaser agreement provisions.