Michigan bill forces insurers to cover mental health care

Insurance: health insurers; prior authorization requirements for mental health and substance use disorder; modify. Amends sec. 3425 of 1956 PA 218 (MCL 500.3425).

Introduced· 2025-06-25

Who's it for

Who's it for: Everyday People

What it means for you

8/10Helps you

Good for everyday people ·

Draft summary, still being checked against the official bill text. Read the source to confirm.

The bill would require health insurers in Michigan to cover needed mental health and substance‑use treatment without less favorable terms, protecting patients from denial.

Our take

What we think, in plain words.

If this bill passes, people who need mental health or addiction treatment will get the same insurance coverage as other medical care. Insurers cannot hide behind loopholes or make the rules harder for these services. That means easier access to care and fewer surprise out‑of‑pocket costs for families.

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The facts

What the bill actually says, no spin.

Insurers must cover inpatient, intermediate, and outpatient mental health and substance‑use disorder care that is medically necessary.
Coverage terms cannot be less favorable than those for comparable services.
Insurers cannot reduce this coverage by applying other policy terms, though deductibles and copays may still apply for intermediate and outpatient care.
Utilization review and clinical review criteria must follow generally accepted standards of care.
The rule does not apply to limited classification policies such as accident‑only plans.