MI HB5839

Prohibits insurers and health maintenance organizations from requiring dentists to provide services at insurer-set fees, except for services covered under the policy or contract.

Prevents insurers and HMOs from imposing deductibles, copayments, coinsurance, or other requirements designed to provide minimal reimbursement and circumvent the section's intent.

Defines "covered services" to include services with reimbursement available and services not reimbursed only due to waiting periods, annual/lifetime limitations, or frequency limitations.

Excludes from "covered services" patient-selected services using materials with costs exceeding policy reimbursement limits (if patient was informed and agreed to pay difference) and services subject to copayments exceeding 50% or deductibles greater than $20 per service.

Applies to policies, certificates, and contracts entered into after enactment; for existing policies, applies upon next renewal, extension, or modification.