MI HB5498

Adds definition of "medically accepted standards" as standards developed by federal government or national/professional medical academies, associations, boards, or societies, excluding private for-profit corporations.

Requires physicians, hospitals, clinics, and other providers treating no-fault auto insurance patients to submit to utilization review and comply with department decisions based on medically accepted standards.

Authorizes insurers to request written explanations from providers when treatment is not usually associated with a diagnosis, longer in duration, more frequent, or extends over more days than typically required based on medically accepted standards.

Allows providers to appeal insurer or association determinations of overutilization, inappropriate treatment, or inappropriate costs to the department under established procedures.

Establishes that submitting false or misleading records or information to an insurer, the assigned claims association, or department constitutes a fraudulent insurance act.