MI HB4875

Prohibits health insurers and health maintenance organizations from listing a health care service as a covered benefit if the copayment or coinsurance required exceeds 50% of the service cost.

Prohibits listing a health care service as a covered benefit if the deductible is established to provide only minimal reimbursement by the insurer or health maintenance organization.

Prohibits listing a health care service as a covered benefit if the deductible amount will not be met by at least 80% of insureds or enrollees, as reasonably known by the insurer or health maintenance organization.

Requires the Director of Insurance and Financial Services to investigate and issue rulings on complaints arising under this section.

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