reglab/statecodes huggingface dataset:
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3601a - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3601a Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to issuance of group disability policy to trust or trustees.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3602 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3602 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to exemption as to worker's compensation insurance.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3606 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3606 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to power to issue group disability insurance and filing and approval of form.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3607 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3607 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to replacement group disability insurance policy or certificate with preexisting condition limitation.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3608 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3608 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to provisions required in group disability insurance policy.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3609 - Repealed. 2016, Act 276, Imd. Eff. July 1 2016.

500.3609 Repealed. 2016, Act 276, Imd. Eff. July 1 2016.
Compiler's Notes:
Prior to the repeal of MCL 500.3609, this section had expired by its own terms. 1980, Act 429, Eff. Jan. 1, 1982. The expired section pertained to coverage for treatment of alcoholism and drug abuse.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3609a - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3609a Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to substance abuse provisions contained in group disability insurance policy.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3610 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3610 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to mandatory provisions contained in group disability insurance policy.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3610a - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3610a Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to coordination of benefits.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3611 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3611 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to coverage for newly born children.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3612 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3612 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to individual conversion policy.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3612a - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3612a Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to premiums for individual conversion policy.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3613 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3613 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to group hospital, medical, or surgical expense incurred policy and mastectomy benefit coverage.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3614 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3614 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to coverage for mental health services.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3615 - Repealed. 2016, Act 276, Imd Eff. July 1, 2016.

500.3615 Repealed. 2016, Act 276, Imd Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to hospice care coverage.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3616 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3616 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to breast cancer coverage.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3616a - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3616a Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to coverage for drug used in antineoplastic therapy.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3620 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3620 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to family expense insurance.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3630 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3630 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to payment under hospital, medical, surgical, and sick-care benefits.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3631 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3631 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to prudent purchaser agreements and disability insurance or family expense insurance.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3636 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3636 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to blanket disability insurance.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3638 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3638 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to power of insurer to issue blanket disability insurance.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3640 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3640 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to provisions required in blanket disability insurance policy.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-36 - Chapter 36 Group and Blanket Disability Insurance (500.3600...500.3650) › Section 500.3650 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3650 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to application, certificate, and payments relating to blanket disability insurance policy.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3702 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.

500.3702 Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
Compiler's Notes:
The repealed section pertained to definitions.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3703 - Scope of Chapter.

500.3703 Scope of chapter.
Sec. 3703.
(1) This chapter applies to any health benefit plan that provides coverage to 2 or more employees of a small employer.
(2) This chapter does not apply to individual health insurance policies that are subject to policy form and premium approval by the director.
History:
Add. 2003, Act 88, Eff. Jan. 23, 2004 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3704 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.

500.3704 Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
Compiler's Notes:
The repealed section pertained to joinder of insurers.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3706 - Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.

500.3706 Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Compiler's Notes:
The repealed section pertained to open enrollment period for small proprietors.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3707 - Health Benefit Plan; Marketing; Affiliation Period.

500.3707 Health benefit plan; marketing; affiliation period.
Sec. 3707.
(1) As a condition of transacting business in this state with small employers, every small employer carrier shall make available to small employers all health benefit plans it markets to small employers in this state. A small employer carrier shall be considered to be marketing a health benefit plan if it offers that plan to a small employer not currently receiving a health benefit plan from that small employer carrier. A small employer carrier shall issue any health benefit plan to any small employer that applies for the plan and agrees to make the required premium payments and to satisfy the other reasonable provisions of the health benefit plan not inconsistent with this chapter.
(2) Except as otherwise provided in this subsection, a small employer carrier shall not offer or sell to small employers a health benefit plan that contains a waiting period applicable to new enrollees or late enrollees. However, a small employer carrier may offer or sell to small employers other than sole proprietors a health benefit plan that provides for an affiliation period of time that must expire before coverage becomes effective for a new enrollee or a late enrollee if all of the following are met:
(a) The affiliation period is applied uniformly to all new and late enrollees and dependents of the new and late enrollees of the small employer and without regard to any health status-related factor.
(b) The affiliation period does not exceed 60 days for new enrollees and does not exceed 90 days for late enrollees.
(c) The small employer carrier does not charge any premiums for the enrollee during the affiliation period.
(d) The coverage issued is not effective for the enrollee during the affiliation period.
History:
Add. 2003, Act 88, Eff. Jan. 23, 2004
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3709 - Minimum Participation Rules.

500.3709 Minimum participation rules.
Sec. 3709.
(1) Except as provided in this section, requirements used by a small employer carrier in determining whether to provide coverage to a small employer shall be applied uniformly among all small employers applying for coverage or receiving coverage from the small employer carrier. If a small employer carrier waives a minimum participation rule for a small employer, the carrier cannot later enforce that minimum participation rule for that small employer.
(2) A small employer carrier may deny coverage to a small employer if the small employer fails to enroll enough of its employees to meet the minimum participation rules established by the carrier pursuant to sound underwriting requirements. A minimum participation rule may require a small employer to enroll a certain number or percentage of employees with the small employer carrier as a condition of coverage. A minimum participation rule is subject to the following:
(a) For a small employer of 10 or fewer eligible employees, may require enrollment of up to 100% of the small employer's employees seeking health care coverage through the small employer.
(b) For a small employer of 11 to 25 eligible employees, may require enrollment of up to 75% of the small employer's employees seeking health care coverage through the small employer.
(c) For a small employer of 26 to 50 eligible employees, may require enrollment of up to 50% of the small employer's employees seeking health care coverage through the small employer.
History:
Add. 2003, Act 88, Eff. Jan. 23, 2004
Compiler's Notes:
Former MCL 500.3709, which pertained to prudent purchase agreements with providers of hospital and other medical related services, was repealed by Act 271 of 2001, Imd. Eff. Jan. 11, 2002.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3710 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.

500.3710 Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
Compiler's Notes:
The repealed section pertained to federal or state programs for hospital, surgical, or medical benefits.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3711 - Small Employer Carrier; Guaranteed Renewal; Exceptions; Modification.

500.3711 Small employer carrier; guaranteed renewal; exceptions; modification.
Sec. 3711.
(1) Except as otherwise provided in this section, a small employer carrier that offers health coverage in the small employer group market in connection with a health benefit plan shall renew or continue in force the plan at the option of the small employer.
(2) Guaranteed renewal under subsection (1) is not required in any of the following circumstances:
(a) There is fraud or intentional misrepresentation by the small employer.
(b) For coverage of an insured individual, there is fraud or misrepresentation by the insured individual or the individual's representative.
(c) Lack of payment.
(d) Noncompliance with minimum contribution requirements.
(e) Noncompliance with minimum participation requirements.
(f) The small employer carrier no longer offers that particular type of coverage in the market.
(g) The small employer moves outside the geographic area.
(3) A small employer carrier that offers health coverage in the small employer group market may modify a health benefit plan if the modification is consistent with state law and effective on a uniform basis among all small employers with coverage under the health benefit plan.
History:
Add. 2003, Act 88, Eff. Jan. 23, 2004 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016
Compiler's Notes:
Former MCL 500.3711, which pertained to mental health services by mental health care provider, was repealed by Act 271 of 2001, Imd. Eff. Jan. 11, 2002.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3712 - Decision to Discontinue Plan in Geographic Area.

500.3712 Decision to discontinue plan in geographic area.
Sec. 3712.
(1) If a small employer carrier decides to discontinue offering all small employer health benefit plans in a geographic area, all of the following apply:
(a) The small employer carrier shall provide notice to the commissioner and to each small employer covered by the small employer carrier in the geographic area of the discontinuation at least 180 days prior to the date of the discontinuation of the coverage.
(b) All small employer health benefit plans issued or delivered for issuance in the geographic area are discontinued and all current health benefit plans in the geographic area are not renewed.
(c) The small employer carrier shall not issue or deliver for issuance any small employer health benefit plans in the geographic area for 5 years beginning on the date the last small employer health benefit plan in the geographic area is not renewed under subdivision (b).
(d) The small employer carrier shall not issue or deliver for issuance for 5 years any small employer health benefit plans in an area that was not a geographic area where the small employer carrier was issuing or delivering for issuance small employer health benefit plans on the date notice was given under subdivision (a). The 5-year period under this subdivision begins on the date notice was given under subdivision (a).
(2) A small employer carrier shall not discontinue offering a particular plan or product in the small employer group market unless the small employer carrier does all of the following:
(a) Provides notice to the commissioner and to each small employer provided coverage under the plan or product of the discontinuation at least 90 days before the date of the discontinuation.
(b) Offers to each small employer provided coverage under the plan or product the option to purchase any other plan or product currently being offered in the small employer group market by that small employer carrier without excluding or limiting coverage for a preexisting condition or providing a waiting period.
(c) Acts uniformly without regard to any health status factor of enrolled individuals or individuals who may become eligible for coverage in making the determination to discontinue coverage and in offering other plans or products.
History:
Add. 2003, Act 88, Eff. Jan. 23, 2004 ;-- Am. 2013, Act 5, Imd. Eff. Mar. 18, 2013
Compiler's Notes:
Former MCL 500.3712, which pertained to articles, policies, applications, and certificates on evidence of insurance coverage, was repealed by Act 271 of 2001, Imd. Eff. Jan. 11, 2002.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3713 - Information Offered Upon Request.

500.3713 Information offered upon request.
Sec. 3713.
Each small employer carrier shall provide all of the following to a small employer upon request and upon entering into a contract with the small employer:
(a) The extent to which premiums for a specific small employer are established or adjusted due to any permitted characteristic and rating factors of the small employer's employees and the employees' dependents.
(b) The provisions concerning the carrier's right to change premiums, permitted characteristics, and any rating factors under this chapter that affect changes in premiums.
(c) The provisions relating to renewability of coverage.
History:
Add. 2003, Act 88, Eff. Jan. 23, 2004
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3714 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.

500.3714 Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
Compiler's Notes:
The repealed section pertained to summary statement concerning health insurance written under authority of chapter.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3715 - Information and Documentation; Retention at Principal Place of Business.

500.3715 Information and documentation; retention at principal place of business.
Sec. 3715.
(1) Each small employer carrier shall maintain at its principal place of business a complete and detailed description of its rating practices and renewal underwriting practices, including information and documentation that demonstrate that its rating methods and practices are based upon commonly accepted actuarial assumptions and are in accordance with sound actuarial principles.
(2) Each small employer carrier shall file each March 1 with the commissioner an actuarial certification, that the carrier is in compliance with this section and that the rating methods of the carrier are actuarially sound. A copy of the actuarial certification shall be retained by the carrier at its principal place of business.
(3) A small employer carrier shall make the information and documentation described in subsection (1) available to the commissioner upon request.
(4) This section is in addition to, and not in substitution of, the applicable filing provisions in this act and in the nonprofit health care corporation reform act, 1980 PA 350, MCL 550.1101 to 550.1704.
History:
Add. 2003, Act 88, Eff. Jan. 23, 2004
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3716 - Archer Medical Savings Account; Exception.

500.3716 Archer medical savings account; exception.
Sec. 3716.
This chapter does not apply to a health benefit plan sponsored by a small employer that is an Archer medical savings account that meets all requirements of section 220 of the internal revenue code of 1986.
History:
Add. 2003, Act 88, Eff. Jan. 23, 2004
Compiler's Notes:
Former MCL 500.3716, which pertained to sale of health insurance by agent or solicitor without additional licensing and to commission or allowance, was repealed by Act 271 of 2001, Imd. Eff. Jan. 11, 2002.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3717 - Suspension; Exemption; Conditions; Exception.

500.3717 Suspension; exemption; conditions; exception.
Sec. 3717.
(1) Upon a request for suspension by the small employer carrier and a finding by the commissioner after consulting with the attorney general that the suspension is reasonable in light of the financial condition of the carrier and that the suspension would enhance the efficiency and fairness of the marketplace for small employer health insurance, the commissioner may suspend all or any part of section 3705 as to the premiums applicable to 1 or more small employers for 1 or more rating periods and may suspend section 3712(1)(c) or (d).
(2) A commercial carrier whose capital and surplus as concerns policyholders as of December 31, 2003 as shown on the annual financial statement filed with the commissioner is $18,000,000.00 or less may be exempt from this chapter, if the commercial carrier had policyholders residing in Michigan before June 1, 2003, the commercial carrier files with the commissioner a written request for an exemption, and the commissioner, after reviewing the commercial carrier's request and annual financial statement, determines an exemption is warranted.
(3) An exemption granted under subsection (2) is effective for 3 years, so long as the commercial carrier experiences no disproportionate growth in premium volume in business written, or changes in the commercial carrier's pattern, location, or contours of that insurance business that indicate that the commercial carrier is utilizing its exemption to take unfair competitive advantage of competing small employer carriers who do not qualify for the exemption. A commercial carrier that meets the requirements of subsections (2) to (5) may reapply every 3 years to the commissioner for a subsection (2) exemption. The commissioner shall continue an exemption granted under subsection (2) if the commissioner finds the commercial carrier meets the criteria in subsections (2) to (5) for the exemption.
(4) The commissioner shall not grant an exemption under subsection (2) to any carrier that directly, or indirectly through 1 or more intermediaries, controls, is controlled by, or is under common control with a carrier whose surplus as concerns policyholders is in excess of the amount stated in subsection (2).
(5) A carrier admitted to do business in this state after June 1, 2003 is not eligible for an exemption under subsection (2).
History:
Add. 2003, Act 88, Eff. Jan. 23, 2004
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3718 - Applicability of MCL 550.1619.

500.3718 Applicability of MCL 550.1619.
Sec. 3718.
A nonprofit health care corporation is subject to section 619 of the nonprofit health care corporation reform act, 1980 PA 350, MCL 550.1619.
History:
Add. 2003, Act 88, Eff. Jan. 23, 2004
Compiler's Notes:
Former MCL 500.3718, which pertained to association formed for purposes of chapter, was repealed by Act 271 of 2001, Imd. Eff. Jan. 11, 2002.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3720 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.

500.3720 Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
Compiler's Notes:
The repealed section pertained to mutual insurers.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3721 - Repealed. 2018, Act 304, Eff. Sept. 27, 2018.

500.3721 Repealed. 2018, Act 304, Eff. Sept. 27, 2018.
Compiler's Notes:
The repealed section pertained to a reporting requirement about competition in small employer carrier health market.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3722 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.

500.3722 Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
Compiler's Notes:
The repealed section pertained to designation of resident agent for service of process.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3723 - Applicability of Chapter; Date of Health Benefit Plan.

500.3723 Applicability of chapter; date of health benefit plan.
Sec. 3723.
This chapter applies to a health benefit plan for a small employer that is delivered, issued for delivery, renewed, or continued in this state after January 22, 2004. For purposes of this section, the date a health benefit plan is continued is the first rating period that begins after January 22, 2004.
History:
Add. 2003, Act 88, Eff. Jan. 23, 2004 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3724 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.

500.3724 Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
Compiler's Notes:
The repealed section pertained to immunity from liability under other laws for action taken pursuant to chapter.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3726 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.

500.3726 Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
Compiler's Notes:
The repealed section pertained to premiums for policies issued pursuant to chapter and to tax exemption.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-37 - Chapter 37 Small Employer Group Health Coverage (500.3701...500.3728) › Section 500.3728 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.

500.3728 Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
Compiler's Notes:
The repealed section pertained to action taken under chapter subject to review by insurance commissioner.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-38 - Chapter 38 Medicare Supplement Policies and Certificates (500.3801...500.3861) › Section 500.3803 - Applicability of Chapter.

500.3803 Applicability of chapter.
Sec. 3803.
(1) Except as provided in subsections (2) and (3), this chapter applies to a Medicare supplement policy delivered, issued for delivery, or renewed in this state.
(2) Sections 3807, 3809, 3811, and 3819 apply to a Medicare supplement policy delivered or issued for delivery in this state on or after June 2, 1992 with an effective date for coverage before June 1, 2010.
(3) Sections 3807a, 3809a, 3811a, and 3819a apply to a Medicare supplement policy delivered or issued for delivery in this state with an effective date for coverage on or after June 1, 2010.
History:
Add. 1992, Act 84, Imd. Eff. June 2, 1992 ;-- Am. 2009, Act 220, Imd. Eff. Jan. 5, 2010 ;-- Am. 2018, Act 429, Eff. Mar. 20, 2019
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-38 - Chapter 38 Medicare Supplement Policies and Certificates (500.3801...500.3861) › Section 500.3804 - Repealed. 2018, Act 429, Eff. Mar. 20, 2019.

500.3804 Repealed. 2018, Act 429, Eff. Mar. 20, 2019.
Compiler's Notes:
The repealed section pertained to the applicability of medicare supplement policies by a certain health care corporation.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-38 - Chapter 38 Medicare Supplement Policies and Certificates (500.3801...500.3861) › Section 500.3805 - Medicare Supplement Policy; Definitions.

500.3805 Medicare supplement policy; definitions.
Sec. 3805.
As used in a medicare supplement policy:
(a) The definition of "accident", "accidental injury", or "accidental means" shall not include words that establish an accidental means test or use words such as "external, violent, visible wounds" or similar words of description or characterization. The definition may provide that injuries shall not include injuries for which benefits are provided or available under any worker's compensation, employer's liability or similar law, or motor vehicle no-fault plan, unless prohibited by law.
(b) The definition of "benefit period" or "medicare benefit period" shall not be defined in a more restrictive manner than as defined in medicare.
(c) "Hospital" may be defined in relation to its status, facilities, and available services or to reflect its accreditation by the joint commission on accreditation of hospitals, but not more restrictively than as defined in medicare.
(d) The definition of "medicare eligible expenses" shall mean health care expenses of the kinds covered by part A and part B of medicare, to the extent recognized as reasonable and medically necessary by medicare.
(e) "Nurses" may be defined so that the description of nurse is to a type of nurse, such as a registered professional nurse or a licensed practical nurse. If the words "nurse", "trained nurse", or "registered nurse" are used without specific instruction, then the use of those terms requires the insurer to recognize the services of any individual who qualifies under those terms in accordance with the public health code, 1978 PA 368, MCL 333.1101 to 333.25211.
(f) "Physician" shall not be defined more restrictively than as defined in medicare.
(g) "Sickness" shall not be defined more restrictively than to mean illness or disease of an insured person that first manifests itself after the effective date of insurance and while the insurance is in force. The definition may be further modified to exclude sicknesses or diseases for which benefits are provided to the insured under any worker's compensation, occupational disease, employer's liability, or similar law.
(h) "Skilled nursing facility" shall not be defined more restrictively than as defined in medicare.
History:
Add. 1992, Act 84, Imd. Eff. June 2, 1992 ;-- Am. 2006, Act 462, Imd. Eff. Dec. 20, 2006
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-38 - Chapter 38 Medicare Supplement Policies and Certificates (500.3801...500.3861) › Section 500.3807a - Medicare Supplement Policies or Certificates With Effective Date for Coverage on or After June 1, 2010; Basic Core Package of Benefits.

500.3807a Medicare supplement policies or certificates with effective date for coverage on or after June 1, 2010; basic core package of benefits.
Sec. 3807a.
(1) This section applies to all medicare supplement policies or certificates delivered or issued for delivery with an effective date for coverage on or after June 1, 2010. A policy or certificate shall not be advertised, solicited, delivered, or issued for delivery in this state as a medicare supplement policy or certificate unless it complies with these benefit standards. An issuer shall not offer any 1990 plan for sale on or after June 1, 2010. Benefit standards applicable to medicare supplement policies and certificates issued before June 1, 2010 remain subject to the requirements of section 3807.
(2) Every insurer issuing a medicare supplement insurance policy in this state shall make available a medicare supplement insurance policy that includes a basic core package of benefits to each prospective insured. An insurer issuing a medicare supplement insurance policy in this state may make available to prospective insureds benefits pursuant to section 3809a that are in addition to, but not instead of, the basic core package. The basic core package of benefits shall include all of the following:
(a) Coverage of part A medicare eligible expenses for hospitalization to the extent not covered by medicare from the sixty-first day through the ninetieth day in any medicare benefit period.
(b) Coverage of part A medicare eligible expenses incurred for hospitalization to the extent not covered by medicare for each medicare lifetime inpatient reserve day used.
(c) Upon exhaustion of the medicare hospital inpatient coverage including the lifetime reserve days, coverage of 100% of the medicare part A eligible expenses for hospitalization paid at the applicable prospective payment system rate or other appropriate medicare standard of payment, subject to a lifetime maximum benefit of an additional 365 days. The provider shall accept the insurer's payment as payment in full and may not bill the insured for any balance.
(d) Coverage under medicare parts A and B for the reasonable cost of the first 3 pints of blood or equivalent quantities of packed red blood cells, as defined under federal regulations unless replaced in accordance with federal regulations.
(e) Coverage for the coinsurance amount, or the copayment amount paid for hospital outpatient department services under a prospective payment system, of medicare eligible expenses under part B regardless of hospital confinement, subject to the medicare part B deductible.
(f) Coverage of cost sharing for all part A medicare eligible hospice care and respite care expenses.
History:
Add. 2009, Act 220, Imd. Eff. Jan. 5, 2010
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-38 - Chapter 38 Medicare Supplement Policies and Certificates (500.3801...500.3861) › Section 500.3808 - Repealed. 2018, Act 429, Eff. Mar. 20, 2019.

500.3808 Repealed. 2018, Act 429, Eff. Mar. 20, 2019.
Compiler's Notes:
The repealed section pertained to medicare supplement insurance policies.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-38 - Chapter 38 Medicare Supplement Policies and Certificates (500.3801...500.3861) › Section 500.3809a - Medicare Supplement Policies or Certificates With Effective Date for Coverage on or After June 1, 2010; Additional Benefits.

500.3809a Medicare supplement policies or certificates with effective date for coverage on or after June 1, 2010; additional benefits.
Sec. 3809a.
(1) This section applies to all medicare supplement policies or certificates delivered or issued for delivery with an effective date for coverage on or after June 1, 2010.
(2) In addition to the basic core package of benefits required under section 3807a, the following benefits may be included in a medicare supplement insurance policy and if included shall conform to section 3811a(6)(b) to (j):
(a) Medicare part A deductible: coverage for 100% of the medicare part A inpatient hospital deductible amount per benefit period.
(b) Medicare part A deductible: coverage for 50% of the medicare part A inpatient hospital deductible amount per benefit period.
(c) Skilled nursing facility care: coverage for the actual billed charges up to the coinsurance amount from the twenty-first day through the one hundredth day in a medicare benefit period for posthospital skilled nursing facility care eligible under medicare part A.
(d) Medicare part B deductible: coverage for 100% of the medicare part B deductible amount per calendar year regardless of hospital confinement.
(e) One hundred percent of the medicare part B excess charges: coverage for all of the difference between the actual medicare part B charge as billed, not to exceed any charge limitation established by medicare or state law, and the medicare-approved part B charge.
(f) Medically necessary emergency care in a foreign country: coverage to the extent not covered by medicare for 80% of the billed charges for medicare-eligible expenses for medically necessary emergency hospital, physician, and medical care received in a foreign country, which care would have been covered by medicare if provided in the United States and which care began during the first 60 consecutive days of each trip outside the United States, subject to a calendar year deductible of $250.00, and a lifetime maximum benefit of $50,000.00. For purposes of this benefit, "emergency care" means care needed immediately because of an injury or an illness of sudden and unexpected onset.
History:
Add. 2009, Act 220, Imd. Eff. Jan. 5, 2010
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-38 - Chapter 38 Medicare Supplement Policies and Certificates (500.3801...500.3861) › Section 500.3813 - Disability Coverage; Medicare Supplement Buyer's Guide; Applicability of Section.

500.3813 Disability coverage; medicare supplement buyer's guide; applicability of section.
Sec. 3813.
An insurer that issues a policy that provides health insurance coverage to a person eligible for Medicare by reason of age shall provide the prospective policyholder with a Medicare supplement buyer's guide in written or electronic format, which must be furnished at the time of application, and the insurer shall obtain, in written or electronic format, acknowledgment of receipt of the buyer's guide. However, for direct response solicitation policies, the guide must be furnished with the policy in written or electronic format and the insurer need not obtain acknowledgment of receipt. This section does not apply to policies that provide accidental death benefits for travel or other accidents, or if the medical expense or indemnity payments are only incidental to the accidental death benefits for travel or other accidents.
History:
Add. 1992, Act 84, Imd. Eff. June 2, 1992 ;-- Am. 2018, Act 429, Eff. Mar. 20, 2019
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-38 - Chapter 38 Medicare Supplement Policies and Certificates (500.3801...500.3861) › Section 500.3821 - Issuance of Policy to Person Not Enrolled in Medicare Parts a and B Prohibited; Refund; Interest.

500.3821 Issuance of policy to person not enrolled in medicare parts A and B prohibited; refund; interest.
Sec. 3821.
(1) An insurer shall not issue an individual medicare supplement policy to a person who has not applied for or enrolled in medicare, parts A and B. If it is later determined that a person has not applied for or enrolled in medicare, parts A and B, an insurer shall refund all premiums received from the person for a medicare supplement policy issued to the person plus interest less the amount of any benefits received by the person under the policy.
(2) Interest under subsection (1) shall be calculated at 6-month intervals from the date the first premium payment was received at a rate of interest equal to 1% plus the average interest rate paid at auctions of 5-year United States treasury notes during the 6 months immediately preceding July 1 and January 1, as certified by the state treasurer, and compounded annually.
History:
Add. 1992, Act 84, Imd. Eff. June 2, 1992
Popular Name:
Act 218