MI SB1090

Requires insurers to comply with Department of Insurance and Financial Services decisions regarding utilization reviews of personal protection insurance treatment claims.

Establishes that physicians, hospitals, clinics, and other providers must submit records and comply with department decisions on utilization reviews for treating accident-related bodily injuries covered under no-fault insurance.

Authorizes insurers and insurance associations to require providers to explain in writing the medical necessity for treatment that is unusual, longer in duration, more frequent, or extends beyond what is typically required for a patient's diagnosis or condition.

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

Defines "utilization review" as the evaluation of appropriateness in level and quality of treatment, products, services, or accommodations based on medically accepted standards.