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HB 4095

Insurance: insurers; insurance providers to panel a mental health provider within a certain time period of application process; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ss.

2025-2026 Regular Session Introduced by Noah Arbit and 6 co-sponsors

Michigan bill requires insurers to add qualified mental health providers to insurance networks within a set timeframe after application, improving access to mental healthcare.

bill electronically reproduced 02/20/2025
#healthoccupations:mentalhealthcareprofessionals #insurance:insurers #mentalhealth:other
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Bill Summary · HB 4095

Legislative bill overview

HB 4095 would require Michigan insurance companies to add qualified mental health providers to their insurance networks within a specified timeframe after a provider applies. The bill amends the Michigan Insurance Code to establish this new requirement for both insurers and insurance providers, creating a deadline-based enrollment process for mental health professionals.

Why is this important

Mental health care access is a significant public health concern, and lengthy delays in network inclusion can prevent patients from receiving timely care and create barriers to treatment. This bill addresses a real bottleneck where qualified mental health providers may wait months to be credentialed and added to insurance panels, potentially causing patient care disruptions and limiting provider capacity in understaffed mental health markets.

Potential points of contention

  • Timeline feasibility: The bill specifies "a certain time period" but doesn't define what that period should be—the committee must determine whether proposed timelines are realistic for insurers' credentialing processes without sacrificing quality vetting
  • Insurance company compliance costs: Faster enrollment requirements may increase administrative burdens on insurers, potentially raising operational costs that could be passed to consumers through higher premiums
  • Definition of "qualified" providers: The bill doesn't specify credentialing standards, raising questions about whether all applicants meeting basic qualifications must be paneled or if quality/specialty matching criteria apply

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

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