The bill amends the Michigan Insurance Code by adding Section 3406ss, which establishes new requirements for insurers regarding the credentialing of mental health and substance use disorder providers. Insurers are mandated to assess and verify the qualifications of applicants within 60 calendar days of receiving a complete application and must provide a written decision within the same timeframe. If an application is incomplete, insurers must notify the applicant within 10 business days, detailing the necessary information to complete the application. Additionally, insurers are required to load approved provider information into their payment systems and directories within the specified timeframes.

Furthermore, the bill stipulates that insurers must reimburse providers for covered services if their credentialing applications are not approved or denied within the established time limits, provided certain conditions are met, such as having no license sanctions and maintaining professional liability insurance. The reimbursement rates for eligible providers are defined based on whether they are contracted with the insurer or not. The bill also clarifies the definition of a "mental health or substance use disorder provider," encompassing various licensed professionals in the field.

Statutes affected:
House Introduced Bill: 500.100, 500.8302