October 13, 2015, Introduced by Reps. Plawecki, Hoadley, Liberati, Sarah Roberts, Faris, Pagan, Canfield, Chirkun, Gay-Dagnogo, Chang, Hovey-Wright, Derek Miller, Darany, Zemke, Love, Yanez, Brunner, Geiss, Cochran, Irwin, Greig, Garrett and Singh and referred to the Committee on Insurance.
A bill to amend 1956 PA 218, entitled
"The insurance code of 1956,"
(MCL 500.100 to 500.8302) by adding section 3406t.
THE PEOPLE OF THE STATE OF MICHIGAN ENACT:
Sec. 3406t. (1) An insurer that delivers, issues for delivery,
or renews in this state an expense-incurred hospital, medical, or
surgical policy or certificate or a health maintenance organization
that issues or renews a group or individual contract shall include
in that policy, certificate, or contract the following coverages
for colorectal cancer screening examinations and laboratory tests
that the United States Preventive Services Task Force assigns
either a grade of A or a grade of B:
(a) If an individual covered under the policy, certificate, or
contract is 50 years of age or older, 1 of the following:
(i) One fecal occult blood test each year and 1 flexible
sigmoidoscopy every 5 years.
(ii) One colonoscopy every 10 years. As used in this
subparagraph, the term "colonoscopy" includes the removal of polyps
during a screening procedure.
(iii) One double contrast barium enema every 5 years.
(b) If an individual covered under the policy, certificate, or
contract is considered at high risk for colorectal cancer,
colorectal cancer screening examinations and laboratory tests as
recommended by a health care provider.
(2) An insurer or health maintenance organization shall not
subject the coverage required by this section to dollar limits,
copayments, deductibles, or coinsurance.
(3) This section does not apply to specified disease or
accident-only coverage.
(4) As used in this section, "at high risk for colorectal
cancer" means that the individual has 1 of the following:
(a) A family medical history of colorectal cancer.
(b) A prior experience of cancer or precursor neoplastic
polyps.
(c) A prior experience of a chronic digestive disease
condition, including, but not limited to, inflammatory bowel
disease, Crohn's disease, or ulcerative colitis.
(d) Other predisposing factors.
Enacting section 1. This amendatory act applies to policies,
certificates, and contracts delivered, executed, issued, amended,
adjusted, or renewed in this state, or outside of this state if
covering residents of this state, beginning 1 year after the date
this amendatory act is enacted into law.