MI HB5651

Prohibits insurers from requiring face-to-face contact for services appropriately provided through telemedicine or excluding coverage solely because a service is delivered via telemedicine rather than in-person.

Prohibits insurers from imposing annual or lifetime dollar maximums, copayments, coinsurance, deductibles, or other durational limitations on telemedicine services that differ from those applied to all other covered services.

Requires insurers to provide coverage for telemedicine services on the same basis as in-person services and to reimburse treating physicians equally for telemedicine and in-person consultations.

Prohibits insurers from requiring prior authorization for telemedicine that exceeds requirements for in-person services, demonstrating necessity for telemedicine use, or restricting coverage based on communication technology used.

Requires telemedicine providers to be licensed in the patient's state, conform to applicable standards of care, and permits insurers to enforce existing policy terms including copayments and deductibles; applies to policies delivered or renewed after December 31, 2021.