HB 5618 Summary

• Requires health insurers delivering or renewing policies in Michigan to submit annual reports to the director by March 1 each year, beginning March 1, 2021, detailing mental health parity compliance.

• Insurers must identify all financial requirements and quantitative treatment limitations applied to mental health and substance use disorder benefits versus medical and surgical benefits, and demonstrate they are not more restrictive.

• Requires insurers to describe the processes used to develop medical necessity criteria for mental health and substance use disorder benefits compared to medical and surgical benefits.

• Mandates analysis demonstrating that nonquantitative treatment limitations and medical necessity criteria for mental health and substance use disorder benefits are applied no more stringently than comparable limitations for medical and surgical benefits, including detailed comparative analyses.

• Prohibits insurers from applying any nonquantitative treatment limitations exclusively to mental health and substance use disorder benefits that do not also apply to medical and surgical benefits within the same classification.