MCL 500.3406s: Michigan’s Autism Insurance Mandate for Insurers
This is the main statute for commercial insurers and HMOs. It was added by Public Act 100 of 2012 and amended by Public Act 276 of 2016.
What the section provides
Coverage duty
An insurer that delivers, issues or renews a health insurance policy in Michigan must cover diagnosis and treatment of autism spectrum disorders.
What insurers may not do
Terminate or refuse coverage solely because of an autism diagnosis, limit visits, deny coverage as educational or habilitative, or impose cost sharing that does not apply to physical illness generally.
What insurers may do
Limit coverage through age 18 and apply annual maximums, require treatment plans and reviews, and apply general exclusions and managed care practices.
Exclusions
Short-term and one-time limited duration policies of six months or less, and prescription drugs unless the member has a drug plan.
Back to the ABA guide.
MCL 500.3406s: Michigan’s Autism Insurance Mandate for Insurers: short answers
Where is the autism mandate in Michigan law?
MCL 500.3406s for insurers and MCL 550.1416e for health care corporation certificates.
When did it take effect?
Public Act 100 was enacted April 18, 2012 and applied to policies beginning 180 days later. The state reports it in effect October 15, 2012.
Has it been amended?
Yes, once, by Public Act 276 of 2016, effective July 1, 2016.
MCL 500.3406s: Michigan’s Autism Insurance Mandate for Insurers: 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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