ABA Coverage in Short-Term Plans in Michigan
Short-term medical plans are carved out of the autism section, so ABA coverage is not guaranteed.
The short-term carve-out
The carve-out
Section 3406s does not apply to a short-term or one-time limited duration policy or certificate of no longer than six months, as described in section 2213b.
Amended in 2016
Public Act 276 of 2016 is the only amendment the section lists since it was added in 2012.
Why it matters for employers
Employees who buy short-term coverage between jobs may find ABA excluded or limited. Review the policy before relying on it.
Ask for the exclusions list
Short-term policies list exclusions in the contract, so ask whether autism, behavioral health and habilitative services are covered.
Back to the ABA guide.
ABA Coverage in Short-Term Plans in Michigan: short answers
Is ABA covered under a short-term plan?
Not necessarily. The mandate does not apply to policies of no longer than six months.
Does this affect employer group plans?
No. Employer group coverage is not a short-term limited duration policy.
What should an employee do between jobs?
Compare a short-term policy with COBRA or Marketplace coverage, because the latter two follow different rules.
ABA Coverage in Short-Term Plans in Michigan: not legal advice. Send us your renewal.
Where these details come from
The laws and rules named on this page link to the official text. This is general information, not legal advice, and rules change, so check the current text.
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