MI SB0027

Requires health insurers delivering or renewing policies in Michigan to provide coverage for mental health and substance use disorder services with financial requirements and treatment limitations no more restrictive than those applied to medical/surgical benefits

Prohibits separate cumulative financial requirements (deductibles, copayments, coinsurance, out-of-pocket maximums) that apply only to mental health or substance use disorder benefits within the same classification

Mandates that nonquantitative treatment limitations on behavioral health benefits use comparable processes and evidentiary standards as those applied to medical/surgical benefits and be applied no more stringently

Allows insurers to establish separate provider network tiers and prescription drug benefit tiers based on reasonable factors, provided mental health and substance use disorder benefits are not subject to more restrictive requirements than medical/surgical benefits within each tier

Requires compliance with federal parity requirements under 42 USC 300gg-26 and applicable federal regulations, with federal standards superseding state requirements if more stringent