MI HB4934

Establishes uniform order of benefits determination rules for health insurance plans to coordinate payment when individuals are covered by multiple plans, ensuring combined benefits do not exceed 100% of allowable expenses.

Defines "plan" to include group and nongroup insurance, HMOs, dental care coverage, Medicare, and long-term care medical components, while excluding fixed indemnity coverage, accident-only coverage, Medicare supplements, and state Medicaid plans.

Sets priority order for determining which plan pays first based on: nondependent/dependent status, dependent child coverage (using birthday rule or court orders), active versus retired employee status, continuation coverage rights, and length of coverage duration.

Requires insurers unable to agree on benefit order within 30 calendar days to pay claims equally and settle relative liabilities afterward, with each insurer paying no more than it would have as primary plan.

Allows existing health insurance contracts to remain compliant under prior coordination of benefits rules until their next renewal date or 12 months after the effective date, whichever is later, or until collective bargaining agreement expiration.