MI HB4683

Expands mandatory health insurance coverage for substance use disorder to include inpatient care, in addition to the existing intermediate and outpatient care requirements

Adds mental health disorders to the mandatory coverage requirements alongside substance use disorder treatment

Requires that utilization review and clinical review criteria for mental health and substance use disorders adhere to generally accepted standards of care in those fields

Defines "medically necessary" treatment as services that align with generally accepted standards, are clinically appropriate in type/frequency/duration, and are not primarily for the insurer's economic benefit

Establishes that coverage terms and conditions for mental health and substance use disorder treatment cannot be less favorable than those for comparable medical services