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SB 894

Insurance: health benefits; nonprofit health care corporation to panel a mental health provider within a certain time period of the application process; require. Amends 1980 PA 350 (MCL 550.1101 - 550.1704) by adding sec. 414c.

2025-2026 Regular Session Introduced by John Cherry

Requires Michigan health insurers to credential mental health providers within an unspecified timeframe to improve access to mental health care.

REFERRED TO COMMITTEE ON HEALTH POLICY
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Bill Summary · SB 894

Legislative bill overview

SB 894 would require nonprofit health care corporations (like health maintenance organizations) in Michigan to add mental health providers to their networks within a specified timeframe after a provider submits an application. The bill amends Michigan's existing insurance regulation statute to establish this new timeline requirement for mental health provider credentialing.

Why is this important

Mental health access remains a critical gap in healthcare coverage, with many patients facing long waits to see providers or discovering their insurance networks lack adequate mental health options. By mandating faster provider credentialing timelines, the bill aims to expand access to mental health services and reduce administrative delays that can leave patients without care.

Potential points of contention

  • Network adequacy vs. insurer burden: Insurers may argue strict timelines could force premature credentialing decisions or create administrative costs that could increase premiums, while supporters contend current delays are unreasonable
  • "Certain timeframe" vagueness: The bill language doesn't specify the actual deadline, leaving critical implementation details to be determined, which could affect enforceability
  • Definition gaps: The bill doesn't clarify what qualifies as a "mental health provider" (psychiatrists, therapists, counselors, etc.) or whether all specialties must be paneled equally

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

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