MI HB4799

Requires health insurance policies in Michigan to cover all FDA-approved contraceptive drugs, devices, and products prescribed by physicians at no cost to the insured, with no copayments, deductibles, or coinsurance.

Mandates coverage of at least one therapeutic equivalent when multiple versions of an FDA-approved contraceptive exist, unless a physician determines the covered option is medically inadvisable.

Requires coverage of voluntary sterilization procedures, patient education and counseling on contraception, and follow-up services including management of side effects, device insertion and removal.

Exempts religious employers from the requirement and excludes coverage from grandfathered health plans; extends coverage to the insured's spouse and nonspouse dependents.

Applies to health insurance policies delivered or renewed in Michigan beginning 90 days after enactment and permits use of contraceptive drugs for non-contraceptive medical purposes such as treating menopause or reducing ovarian cancer risk.