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HB 5200

AN ACT RELATING TO EDUCATION -- RHODE ISLAND EARLY EDUCATOR WORKFORCE ACT

2025 Regular Session Introduced by Jennifer Boylan and 9 co-sponsors

Michigan requires gynecological plans to cover Pap smears for women 21+ every 3 years, with cost-sharing on par with other screenings.

05/15/2025 Committee recommended measure be held for further study
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Bill Summary · HB 5200

Summary — HB 5200 (1956 PA 218 — add sec. 3406nn)

Bill number: HB 5200
Title (short): Require coverage of Pap smears in certain cases
Introduced: March 14, 2025 (reproduced/introduced again Nov 4, 2025)
Primary sponsor (Nov 4, 2025): Rep. Samantha Steckloff

Purpose / Intent

To require Michigan-regulated health insurance policies that provide gynecological coverage to cover Pap smear screening for women age 21 and older at specified intervals, and to limit cost‑sharing for those screenings so they are treated like other screening services.

Key provisions

  • Adds section 3406nn to the Michigan Insurance Code (1956 PA 218).
  • Coverage requirement:
    • A health insurance policy delivered, issued for delivery, or renewed in Michigan that provides gynecological coverage must include coverage for at least one Pap smear for a woman age 21 or older every 3 calendar years.
  • Cost-sharing limitation:
    • Coverage for these Pap smears must not be subject to any dollar limit, copayment, deductible, or coinsurance provision that does not apply to screening coverage generally (i.e., these Pap smears must be covered on the same cost-sharing terms as other screening services).

Who would be affected

  • Directly affected: Individuals (women) age 21 and older covered by Michigan-regulated health insurance policies that provide gynecological coverage.
  • Insurers: Issuers of individual and group health insurance policies delivered, issued for delivery, or renewed in Michigan must comply with the coverage and cost‑sharing rules for Pap smears.
  • Employers and plan sponsors: Those who purchase state-regulated group plans will be subject to the new coverage requirement.
  • Note: The bill applies to state‑regulated insurance policies. Self‑funded employer health plans governed by federal ERISA typically fall outside state insurance mandates and therefore may not be affected.

Procedural status / timeline (selected)

  • Filed: March 14, 2025
  • Passed House (third reading): May 10, 2025
  • Referred to Business & Commerce (Senate): May 13, 2025
  • Bill electronically reproduced and reintroduced: November 4, 2025; referred to Committee on Insurance (Nov 4, 2025)
  • As of the latest entry (Nov 4–5, 2025) the bill is in committee consideration in the Senate.

Potential impacts (practical)

  • Reduces or eliminates out-of-pocket cost barriers for covered women obtaining Pap smears under affected policies, by aligning Pap screening cost-sharing with other preventive screenings.
  • May increase short‑term costs for insurers that must pay for more screenings without separate copays/deductibles, but could increase preventive screening uptake and potentially earlier detection of cervical disease.
  • Coverage frequency (one every 3 calendar years) mirrors common screening intervals for Pap cytology-only screening; interaction with guidelines recommending co-testing or HPV testing is not specified in the text.

If you want, I can draft a one-paragraph plain‑language brief for patients or an analysis of how this bill compares to current federal preventive services rules (e.g., USPSTF) and typical insurer practices.

Compiled from official sources — confirm details with the bill’s official record.

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