Bill Text: MI SB0584 | 2021-2022 | 101st Legislature | Introduced

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Bill Title: Insurance: insurers; denying or limiting insurance to living organ donors; prohibit. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding secs. 3406v, 3901a & 4002.

Spectrum: Partisan Bill (Democrat 3-0)

Status: (Introduced - Dead) 2021-06-30 - Referred To Committee On Insurance And Banking [SB0584 Detail]

Download: Michigan-2021-SB0584-Introduced.html

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SENATE BILL NO. 584

A bill to amend 1956 PA 218, entitled

"The insurance code of 1956,"

(MCL 500.100 to 500.8302) by adding sections 3406v, 3901a, and 4002.

the people of the state of michigan enact:

Sec. 3406v. (1) This section applies to health insurance policies issued for delivery, or renewed after December 31, 2022.

(2) An insurer of a health insurance policy shall not do any of the following:

(a) Decline or limit coverage of an individual under a policy because the individual is a living organ donor.

(b) Preclude an individual from donating all or part of an organ as a condition of receiving a policy.

(c) Consider the status of an individual as a living organ donor in determining the premium rate for coverage of the individual under the policy.

(d) Otherwise discriminate in the offering or issuance of coverage for an individual based solely on the status of the individual as a living organ donor.

(3) As used in this section, "living organ donor" means an individual who has donated all or part of an organ and is not deceased.

Sec. 3901a. (1) This section applies to all long-term care insurance policies or certificates delivered, issued for delivery, or renewed after December 31, 2022.

(2) An insurer of a long-term care insurance policy or certificate shall not do any of the following:

(a) Decline or limit coverage of an individual under a policy or certificate because the individual is a living organ donor.

(b) Preclude an individual from donating all or part of an organ as a condition of receiving a policy or certificate.

(c) Consider the status of an individual as a living organ donor in determining the premium rate for coverage of the individual under the policy or certificate.

(d) Otherwise discriminate in the offering or issuance of coverage for an individual based solely on the status of the individual as a living organ donor.

(3) As used in this section, "living organ donor" means an individual who has donated all or part of an organ and is not deceased.

Sec. 4002. (1) This section applies to universal life insurance policies or certificates delivered, issued for delivery, or renewed after December 31, 2022.

(2) An insurer of a universal life insurance policy or certificate shall not do any of the following:

(a) Decline or limit coverage of an individual under a policy or certificate because the individual is a living organ donor.

(b) Preclude an individual from donating all or part of an organ as a condition of receiving a policy or certificate.

(c) Consider the status of an individual as a living organ donor in determining the premium rate for coverage of the individual under the policy or certificate.

(d) Otherwise discriminate in the offering or issuance of coverage for an individual based solely on the status of the individual as a living organ donor.

(3) As used in this section, "living organ donor" means an individual who has donated all or part of an organ and is not deceased.