The proposed bill amends the Michigan Insurance Code of 1956 by adding Section 3406ll, which mandates that health insurance policies covering prescription drugs must include coverage for non-opioid analgesic medications prescribed for pain management. Insurers are required to add these drugs to their preferred drug lists or plan formularies within 90 days of FDA approval and availability for retail sale. The bill also stipulates that insurers cannot use their review processes to delay or deny coverage for these drugs, ensuring that they are not disadvantaged compared to opioid analgesics in terms of coverage.

Additionally, the bill outlines that insurers must not designate non-opioid analgesics as non-preferred drugs if an opioid is preferred, nor can they impose more restrictive utilization review measures on non-opioid analgesics than those applied to opioids. However, the bill allows insurers to prefer one opioid over another or one non-opioid over another, as long as the preferences do not disadvantage the non-opioid analgesics in comparison to opioids. This legislation aims to promote the use of non-opioid pain management options while ensuring equitable treatment in insurance coverage.

Statutes affected:
Senate Introduced Bill: 500.100, 500.8302