All sources · 40,563 documents · Table of contents · General Insurance Laws · Chapter 550 — General Insurance Laws
Michigan
Chapter 550 — General Insurance Laws
325 entries
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550.1 Declaration of emergency.
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550.2 Insurance company disbursement limitations.
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550.3 Insurance commissioner regulatory powers.
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550.4 Foreign insurance companies; other states' regulations, application.
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550.5 Purposes of act.
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550.6 Suits against insurance companies; statute of limitations, extension.
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550.7 Duration of emergency; proclamations.
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550.8 Violation of act; misdemeanor; license revocation, grounds.
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550.51 Short title.
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550.52 Definitions.
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550.53 Prudent purchaser agreement; number; location of health care provider; membership on provider panel; written standards; notice procedures; provider application per
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550.53a Disclosure of financial relationships between organization and participating health care providers, health care facilities, or other entities.
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550.53b Prudent purchaser agreement services; providing requested information to insurer.
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550.54 Discrimination prohibited; complaint of violation; hearing; penalty.
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550.55 Notice of membership in provider panels; display.
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550.56 Reporting certain information on standard forms required; availability of information to appropriate state agencies; confidentiality.
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550.57 Agreements between health care providers and purchasers of health care services.
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550.58 Organization subject to enabling act; financial records.
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550.59 Report on competition in retail pharmacy industry.
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550.60 Repealed.
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550.61 Repealed.
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550.62 Provisions inapplicable to certain contracts and renewal thereof.
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550.63 Conditional effective date.
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550.231 Office agent of insurance company taken over by insurance commissioner or receiver; off-set for damages.
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550.232 Applicability of act.
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550.233 Construction of act.
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550.251 Short title.
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550.252 Definitions.
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550.253 Coverage by 2 or more plans; order of benefit payments; length of time covered under plan; inability to agree on order of benefits; amount to be paid by insurer i
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550.253a Contract issued before effective date of amendatory act; compliance with changes; transition period.
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550.254 Rules.
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550.255 Repealed.
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550.281 Definitions.
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550.283 Determination that health coverage recipient is also medical assistance recipient; information to be provided by health insurer.
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550.285 Determination that health coverage recipient is also medical assistance recipient; actions by department.
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550.287 Violation of act; administrative fine; notice; right to hearing.
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550.289 Rules.
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550.351 Nonprofit dental care corporation; formation; purpose; types of dental care plans; services in other states; corporation subject to nonprofit corporation act.
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550.352 Subscriber contract payment regulations; prohibited provisions.
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550.353 Supervision by insurance commissioner; incorporation procedures.
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550.354 Articles of incorporation; contents.
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550.355 Articles of incorporation; execution, filing, fee, approval, amendment.
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550.356 Contracts; statement to insurance commissioner; contents, examination.
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550.357 Certificate of authority to commence business and issue contracts; requirements.
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550.358 Certificate of authority; revocation; liquidation.
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550.359 Corporation examination by insurance commissioner; expenses.
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550.359a Nonprofit dental care corporation subject to MCL 500.224 and 500.225; costs and expenses.
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550.360 Annual statement; filing.
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550.361 Providing dental services outside state.
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550.362 Dental care service contracts; preliminary requirements; payments.
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550.363 Dental care corporation; board of directors; membership, consideration of candidates recommended by Michigan Dental Association; composition of board; hearing to
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550.364 Contract limitations; service classes; county residents.
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550.365 Dentists; eligibility; agreements with corporation.
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550.366 Subscriber-dentist relationship; choice of dentist; refusal to place name of dentist on register; removal of name from register.
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550.366a Prudent purchaser agreements; rates; provisions inapplicable to certain contracts and renewal thereof.
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550.367 Reserve funds; maintenance; investment.
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550.368 Dental care to be in accordance with accepted dental practice.
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550.369 Dental care for needy and other persons; payments; contracts.
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550.369a Coordination of benefits.
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550.370 Dentist-patient relationship; civil actions.
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550.371 Previously existing corporations merger; agreement, approval.
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550.372 Dental care corporations; tax exemption.
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550.373 False statement; penalty.
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550.521 Definitions.
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550.522 Records; production; maintenance; availability for inspection; payment of expenses.
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550.523 Disclosure of information.
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550.524 Documents to be obtained by provider; right to avoid or rescind contract.
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550.524a Agreement to commit suicide; payment prohibited.
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550.525 Disposition of contract consideration.
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550.526 Double or additional indemnity.
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550.527 Offer to purchase policy or certificate; notice to insurer.
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550.528 Order prohibiting provider from entering viatical settlement contract; additional orders.
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550.601 Credit insurance act; short title.
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550.602 Scope of act.
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550.603 Credit insurance act; definitions.
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550.604 Credit life insurance, credit accident and health insurance; forms.
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550.605 Credit life insurance; amount.
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550.606 Periodic indemnity payable.
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550.607 Term; refund on termination prior to expiration.
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550.608 Evidence of insurance; policy or certificate delivery.
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550.609 Policy or certificate; contents.
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550.610 Policy or certificate; delivery to debtor.
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550.611 Policy or certificate; application, contents.
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550.612 Papers filed with commissioner of issuing state.
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550.613 Papers filed with commissioner of issuing state; disapproval.
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550.614 Papers filed with commissioner of issuing state; use, hearing, prior written approval.
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550.615 Papers filed with commissioner of issuing state; withdrawal of approval.
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550.616 Papers filed with commissioner of issuing state; use after withdrawal of approval.
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550.617 Papers filed with commissioner of issuing state; judicial review.
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550.618 Schedule of premium rates; refunds; nonissuance credit.
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550.619 Policies issuable only by authorized insurers.
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550.620 Payment of claims; claim files; group insurance claims.
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550.621 Procurement of insurance by debtor.
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550.622 Rules; violation, notice of hearing, finding, order.
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550.623 Violation; penalty; license or authority, suspension or revocation.
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550.624 Effect of act; scope of act.
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550.701 Insurance of state property; determination; approval; bids; purchase of deductible or catastrophe insurance; payment of premiums.
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550.702, 550.703 Repealed.
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550.704 Loss in case of damage; fixing amount.
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550.705 Loss in case of damage; payment, release of additional amounts necessary to rebuild or restore.
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550.706 Repealed.
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550.707, 550.708 Repealed.
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550.709 Self-liquidation projects exempted; applicability of act.
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550.710 Election of coverage.
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550.711 State insurance fund abolished; reversion of funds.
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550.811 Short title.
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550.815 Definitions; A to I.
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550.817 Definitions; M to P.
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550.819 Definitions; R to W.
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550.821 Pharmacy benefit manager; licensure; application requirements; modification notice; grounds for refusal, revocation, denial, or suspension; fines; notice and hear
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550.823 Promulgation of rules.
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550.825 Contractual responsibilities; conflict of interest; exception for certain audits.
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550.827 Pharmacy benefit manager network; report; waiver; prohibition on spread pricing and fees for electronic processing.
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550.829 Prohibited conduct.
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550.831 Contractual restrictions and limitations with pharmacists or pharmacies; disclosure of costs; payment at point of sale.
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550.833 Transparency report; requirements; exempt from freedom of information act; report to legislature; inapplicable to Medicaid contracts.
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550.837 Maximum allowable costs; pharmacy benefit manager duties.
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550.838 Authorization to conduct audit; process and duties; written report; extrapolation audit prohibition; inapplicable to certain investigations; carrier pharmacy audi
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550.839 Retail pharmacies; contractual restrictions and limitations; use of untrue, deceptive, or misleading advertisements; reversal and resubmission of claims; terminat
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550.840 Enforcement of act; examination and audit.
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550.841 Contract compliance; license requirement.
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550.843 Retention schedule; records, books, papers, and other data; destruction or disposal of certain documents prohibited.
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550.845 Scope of act.
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550.901 Short title.
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550.902 Definitions.
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550.910 Third party administrator; certificate required; requirements; instances in which TPA subject to act; name.
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550.912 Application for certificate of authority; form, verification, and contents; filing notice of modification.
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550.914 Certificate of authority; issuance; notice of disapproval; continued compliance with subsection (1).
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550.916 Repealed.
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550.918 Fees; payment; collection; and designation.
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550.919 TPA advisory board; creation; appointment, qualifications, and terms of members; expenses; duty of board; report.
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550.920 Authority of commissioner.
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550.922 Hearings.
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550.924 Destruction or disposal of records, books, papers, and other data.
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550.926 340B Program entities; reimbursement, co-pay, and discrimination prohibitions; definitions.
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550.927 Disclosure of current selling prices; prohibited contract provisions.
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550.930 Provision of administrative services pursuant to written service contract; maintenance of books and records; TPA and manager as fiduciary.
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550.932 Benefit plan; notice; plan covering less than 500 individuals; service contract between TPA and governmental entity not subject to ERISA; construction of act.
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550.934 Confidentiality.
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550.936 Annual statement; report.
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550.940 Prohibited conduct generally.
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550.942 Additional prohibited conduct.
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550.944 Additional prohibited conduct.
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550.950 Violation; probable cause; notice; conference; disposition of matter upon agreement of parties; action for damages; hearing; findings and decision; cease and desi
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550.952 Civil fine; suspension or revocation of certificate or license; refusal to issue; grounds for denial, suspension, revocation, or cease and desist order; definitio
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550.954 Alteration, modification, or setting aside of order.
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550.956 Judicial review; petition for review; transcript of record and copy of order or decision; hearing cause as civil case in equity; evidence; duty of court; incomple
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550.958 Self-incrimination; false oath or affirmation.
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550.960 Rules.
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550.962 Repealed.
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550.1001 Short title.
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550.1002 Definitions.
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550.1003 Persons authorized to sell health benefits; packaging health benefits with insurance; notify agent of record; annual appointment fee; "agent of record" defined.
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550.1004 Influencing agent prohibited.
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550.1004a Applicability of certain statutory provisions.
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550.1005 Compensation of health benefit agents.
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550.1006 Authorized agents; requirements, duties, and restrictions; powers of commissioner.
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550.1008 Contracts or other arrangements for packaging of health benefits with insurance; policy supplementing health benefits of health maintenance organization.
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550.1009 Licensing affiliate of health benefit corporation as insurance agent prohibited.
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550.1010 Health benefit agent as fiduciary; evidence of violation of fiduciary responsibility; use of reasonable accounting methods; records required; examination of reco
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550.1012 Notice of termination of agent's authority; liability; duration of agent's responsibility; cancellation or refusal to renew certificate of subscriber; certain re
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550.1014 Suspension, revocation, refusal to grant, or refusal to renew accident and health insurance license; grounds; notice; hearing; summary suspension; subpoenas.
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550.1016 Violation of act; orders; penalties for violation of cease and desist order; injunction.
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550.1018 Construction of act.
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550.1020 Conditional effective date.
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550.1101 Short title.
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550.1102 Legislative intent and policy.
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550.1103 Meanings of words and phrases.
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550.1104 Definitions; A to C.
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550.1105 Definitions; H.
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550.1106 Definitions; L to O.
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550.1107 Definitions; P.
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550.1108 Definitions; R, S.
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550.1201 Health care corporation; incorporation; number of persons; payment of cash or other material benefit to subscriber; applicable laws; charitable and benevolent in
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550.1201a Formation of health care corporation after January 1, 2014; prohibition.
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550.1202 Articles of incorporation; contents; number; forms; examination and certification by attorney general; fees.
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550.1203 Amendment or restatement of articles; review; approval.
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550.1204 Filing of statements and documents; examination; investigation; additional information; conditions; duties of commissioner.
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550.1204a Unimpaired surplus.
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550.1205 Repealed.
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550.1205a Actuarial practices and accounting principles; financial report.
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550.1206 Funds, property, and business of health care corporation; investments; insurance; prepaid health care benefits.
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550.1207 Powers of health care corporation; interests of senior citizens; validity of corporate acts.
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550.1208 Action by member; complaint.
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550.1209 Action by member; discontinuance, compromise, or settlement; notice; expense.
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550.1210 Action by member; reasonable expenses; attorney's fees.
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550.1211 Administrative services only and cost-plus arrangements; service contracts; fees; administrative costs; marketing policy; notice; coverage, rights, and obligatio
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550.1211a Definitions; prohibited acts by corporation; processing claims for benefits on timely basis; claim form; notice to covered individuals; notice to corporation of
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550.1212 Action without notice or lapse of time periods; waiver; attorney-in-fact.
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550.1213 Indemnification.
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550.1214 Rate of interest.
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550.1215 Health care corporation as shareholder in other nonprofit corporation; rights, powers, privileges, and liabilities.
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550.1216, 550.1217 Repealed.
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550.1218 Health care corporation; prohibited actions.
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550.1219 Provisions superseded.
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550.1220 Merger of health care corporation with nonprofit mutual disability insurer.
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550.1301 Board of directors; powers and duties generally; appointment, qualifications, and terms of members; vacancy; officer or employee as voting or nonvoting director;
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550.1302 Bylaws generally.
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550.1303 Meetings; required provisions in bylaws; notice; waiver; participation by conference telephone or similar communications equipment; quorum; action by board; acti
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550.1304 Books, records, and minutes; copy of minutes; disclosure, publication, and dissemination of minutes; compelling production of books or records.
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550.1305 Establishment and composition of corporate body; service of members on committees; membership on board of directors.
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550.1306 Effect of common directorship, officership, or interest on validity of contract or other transaction; burden of establishing validity of contract; exclusion of c
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550.1307 Advisory councils; committees of board of directors; bylaws regarding membership and emergency meetings and actions.
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550.1308 Committees of board of directors; powers and authority; prohibited activities; emergency actions.
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550.1309 Officers and assistants; selection; restriction; authority and duties; removal; contractual rights; bond; vacancies; compensation; pension.
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550.1310 Fiduciary duties; scope and manner of discharge; removal of director for breach of fiduciary duty; notice and hearing.
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550.1311 Liability for misapplication or misuse of corporate money or property.
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550.1312 Action for failure to perform duties; commencement.
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550.1313 False statement as misdemeanor; liability for false statement or report; commencement of action for civil liability.
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550.1400 Use of most favored nation clause in provider contract.
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550.1401 Offering of health care benefits; limiting benefits; division of benefits into classes or kinds; prohibited conduct; grounds for denial of coverage; coordination
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550.1401a Health care service rendered by dentist; benefits or reimbursement; “dentist” defined; certificates to which section applicable.
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550.1401b Certificate providing benefits for mental health services; requirements.
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550.1401c Replacement group certificate with preexisting condition limitation; elimination, reduction, or limitation of benefits; “disability coverage” defined.
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550.1401d Services performed by physician's assistant; reimbursement; conditions; applicability of section; supervision by physician; definitions.
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550.1401e Group certificate issued by health care corporation; renewal or continuation; guaranteed renewal; discontinuing plan, product, or coverage in nongroup or group
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550.1401f Health care corporation; access to obstetrician-gynecologist.
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550.1401g Health care corporation; access to pediatric care services.
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550.1401h Health care corporation providing prescription drug coverage; formulary restrictions.
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550.1401i Prescription drug coverage; pilot project; provisions; interim report; determination; evaluation.
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550.1401j Prescription drug coverage; rate differentials; filing.
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550.1401k Telemedicine services; provisions; definition; applicability.
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550.1401m Offer of health care benefits to all residents regardless of health status.
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550.1402 Health care corporation; prohibited conduct; commission or compensation; new preexisting condition limitation waiting period; readjusting rates; participation in
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550.1402a Terms and conditions of certificate; form; description; requested information; written request; “board certified” defined.
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550.1402b Preexisting condition limitation or exclusion; prohibition; exception; “group” defined.
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550.1402c Termination of participation between primary care physician and health care corporation; notice to member; effect of termination; definitions.
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550.1402d Applicability of MCL 500.2212c to health care corporation.
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550.1403 Payment of benefits; interest; claim form; exception.
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550.1403a Benefits paid by check or written instrument; escheat.
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550.1403b Advertising material prohibited.
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550.1404 Violation of MCL 550.1402 or MCL 550.1403; private informal managerial-level conference; review by commissioner; internal procedures; determination by commission
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550.1405 Single billing form; development; explanation of total bill for services.
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550.1406 Confidentiality of records; disclosures; consent; policy regarding protection of privacy and confidentiality of personal data; violation as misdemeanor; penalty;
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550.1407 Complaint system; procedures; response to complaint; access to complaints and responses; record of complaints; annual report; other legal remedies.
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550.1408 False, dishonest, or fraudulent claim for payment as misdemeanor; penalty; civil action; prosecution.
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550.1409 Civil action for negligence.
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550.1409a Coverage for children who are full-time or part-time students; continuing coverage if dependent student takes leave of absence due to illness or injury; eligibi
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550.1410 Certificate providing coverage of dependent terminating at specified age; exceptions.
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550.1410a Provisions of group certificate; electing coverage under group conversion certificate; notice of conversion privilege; requirements of group conversion certific
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550.1410b Premium for group conversion certificate after January 1, 2014; determination; rating factors.
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550.1411-550.1413a Repealed.
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550.1414 Expired.
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550.1414a Treatment of substance abuse; contracts; qualifications of provider; coverage for intermediate and outpatient care for substance abuse required; demonstration p
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550.1414b Offer of wellness coverage by health care corporation.
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550.1415 Benefits for prosthetic devices.
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550.1416 Coverage for breast cancer diagnostic services, breast cancer outpatient services, and breast cancer rehabilitative services; coverage for breast cancer screenin
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550.1416a Coverage for drug used in antineoplastic therapy and cost of its administration; conditions.
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550.1416b Establishment of program to prevent onset of clinical diabetes required; report; coverages; “diabetes” defined.
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550.1416c Off-label use of approved drug; coverage; conditions; compliance; use of copayment, deductible, sanction, or utilization control; limitation; definitions.
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550.1416d Coverage for obstetrical and gynecological services by physician or nurse midwife.
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550.1416e Diagnosis and treatment of autism spectrum disorders; coverage; prohibition; availability of other benefits; conditions; qualified health plan offered through A
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550.1417 Hospice care; contracts with health care corporation; description of benefit.
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550.1418 Emergency health services; medical coverage required; “stabilization” defined.
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550.1419 Certificate offering dependent coverage to child; denial of enrollment on certain grounds prohibited.
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550.1419a Eligibility of parent for dependent coverage; health coverage of child through noncustodial parent; court or administrative order and notice required.
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550.1419b Individual eligible under title XIX of social security act; assignment of rights of subscriber to department of social services.
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550.1420-550.1430 Repealed.
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550.1435 “Program” defined.
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550.1436 Michigan caring programs for children; creation; contribution requirements; rating methodologies; supersedure of inconsistent provisions.
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550.1437 Eligibility of child for enrollment in program.
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550.1438 Limitation of benefits; provision of other health care benefits.
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550.1439 Fees prohibited; exception; funding; enrollment of children.
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550.1451-550.1499a Repealed.
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550.1501 Contracts with health care facilities.
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550.1501a Special participating contracts with health care providers for provision of primary health care benefits to children enrolled in Michigan caring program.
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550.1501b Conduct on behalf of or information provided to subscriber by health care provider; prohibition or discouragement by health care corporation.
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550.1501c Provider network.
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550.1502 Contracts for reimbursement with professional health care providers; private provider-patient relationship; methods of diagnosis or treatment not to be restricte
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550.1502a Prudent purchaser agreements; group contracts; option; group contracts under which financial or other advantage realized; additional option; applicability of su
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550.1503 Uniform reporting by health care providers.
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550.1504 Reimbursement arrangements; goals; definitions; supplemental efforts.
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550.1505 Provider class plan; development, modification, implementation, or review; procedures to obtain advice and consultation.
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550.1506 Provider class plan; transmitting to commissioner; examination; determination; notice; placing plan into effect; retention of plan for commissioner's records.
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550.1507 Provider class plan; inclusion and transmittal of items omitted.
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550.1508 Provider class plan; modifications.
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550.1509 Achievement of goals and objectives; determinations by commissioner.
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550.1510 Additional determinations by commissioner.
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550.1511 Provider class plan; transmittal to commissioner; preparation by commissioner.
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550.1512 Extension of 6-month period provided in MCL 550.511(1); determination.
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550.1513 Provider class plan; examination; automatic retention; placing plan into effect; preparation of plan by commissioner; notice.
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550.1514 Appeal; selection and qualifications of hearing officer; consolidation; annual report.
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550.1515 Appeal; parties; request; time; relief; transmittal of provider class plan to hearing officer; determinations.
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550.1516 Provider class plan; standards.
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550.1517 Annual report.
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550.1518 Considerations and standards; applicability; appeal.
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550.1601 Regulation and supervision of health care corporation; delegation of authority.
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550.1602 Statement of condition; statistical, financial, and other reports.
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550.1603 Visitation and examination; access to books, papers, and documents; witnesses; expenses; disclosure of information; reporting violation; action by attorney gener
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550.1603a Health care corporation subject to MCL 500.224 and 500.225; costs and expenses.
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550.1604 Confidentiality; violation as misdemeanor; penalty.
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550.1605 Certificate of authority; suspension or limitation; circumstances; order; hearing; notice.
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550.1606 Authority of commissioner regarding officers and directors; authority as to dissolution, taking over, or liquidation of corporations; insolvency defined.
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550.1607 Submission of new or revised certificate and applicable proposed rates; approval or disapproval; exemption; circumstances and conditions; notice; implementation
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550.1608 Rates charged to nongroup subscribers for certificate; methodology and definitions of rating system, formula, component, and factor used to calculate rates for g
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550.1609 Excessive rate; administrative expense budget; equitable rate; adequate rate; line of business to be self-sustaining; cost transfers for benefit of senior citize
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550.1610 Filing of information and materials relative to proposed rate; notice; approval, approval with modifications, or disapproval; additional information and material
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550.1611 Legislative intent.
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550.1612 Notice of rate filing; contents of request for hearing; advertisements; limitation on fee for copy of rate filing; waiver or reduction of fee; calculation of cos
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550.1613 Request for hearing; standing of person; access to filing; confidentiality; penalty; appointment and qualifications of independent hearing officer; commencement
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550.1614 Interim rates; petition; determination; granting interim rate; final rate determination; refunds or adjustments; limitation on order establishing interim rate ad
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550.1615 Review of final order or decision.
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550.1616 Endorsing, filing, and indexing documents; notice of refusal to file; judicial review; certificate of correction; persons adversely affected by correction; docum
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550.1617 Rules.
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550.1618 Compliance with new procedures, benefits, or contracts.
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550.1619 Injunction; declaratory and equitable relief; enforcement of act or rules.
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550.1620 Certificate subject to policy and certificate issuance and rate filing requirements; establishment of reasonable open enrollment periods; frequency and duration;
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550.1651 Definitions.
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550.1652 Health endowment fund corporation; incorporation; conflict of interest; appointment of board members; vacancy; terms; quorum; vote; business open to public; noti
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550.1653 Charitable purpose nonprofit corporation; receipt and administration of funds; articles of incorporation; grants; conflict with other provisions of law; social m
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550.1654 Executive director.
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550.1655 Disbursement, expenditure, and investment of money by fund; system of financial accounting, controls, audits, and reports; appointment of audit committee; duties
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550.1701 Formal reorganization not required; duties of health care corporation; amendments to articles and bylaws; description of board restructuring; review; certificati
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550.1702 Discontinuation of certain rules; continuation of certain orders and approvals.
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550.1703 Repeal of MCL 550.301 to 550.316 and 550.501 to 550.517.
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550.1704 Effective date.
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550.1751 Short title.
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550.1753 Definitions.
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550.1755 Waiver request; notification of member months, rate, and insurance providers by tier.
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550.1757 Assessment; levy; rates; payment method.
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550.1759 Records; failure to file return or keep proper records; right of department to impose assessment.
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550.1761 Administration of assessment; conflicting provisions of law; rules; annual report.
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550.1763 Insurance provider fund; establishment; creation; deposit; transfer of money.
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550.1765 Appropriation for administration.
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550.1767 Failure to pay assessment, interest, or penalty; final determination; written notice to director; suspension or revocation of certificate of authority to transac