HOUSE BILL No. 5449


     January 14, 1998, Introduced by Reps. Law, Palamara and Varga 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 3406j.

               THE PEOPLE OF THE STATE OF MICHIGAN ENACT:

 1         SEC. 3406J.  (1) AN EXPENSE-INCURRED HOSPITAL, MEDICAL, OR

 2    SURGICAL POLICY OR CERTIFICATE DELIVERED, ISSUED FOR DELIVERY, OR

 3    RENEWED IN THIS STATE SHALL PROVIDE BENEFITS FOR SCALP HAIR PROS-

 4    THESIS FOR AN INDIVIDUAL WHO HAS SCALP HAIR LOSS AS A RESULT OF

 5    ALOPECIA AREATA IF THE INDIVIDUAL'S ATTENDING PHYSICIAN CERTIFIES

 6    IN WRITING THE MEDICAL NECESSITY OF THAT PROPOSED COURSE OF REHA-

 7    BILITATIVE TREATMENT.

 8         (2) THE COVERAGE REQUIRED BY THIS SECTION IS NOT SUBJECT TO

 9    DOLLAR LIMITS, DEDUCTIBLES, AND COINSURANCE PROVISIONS THAT ARE

10    LESS FAVORABLE THAN THOSE FOR OTHER PROSTHESIS COVERAGE.

11    HOWEVER, AN INSURER MAY PROVIDE THAT THE INSURER WILL ONLY PAY


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 1    80% OF THE CUSTOMARY AND USUAL COSTS OF THE SCALP HAIR PROSTHESIS

 2    EXCLUSIVE OF ANY DEDUCTIBLE.

 3         (3) AS USED IN THIS SECTION, "SCALP HAIR PROSTHESIS"

 4    INCLUDES ANY ARTIFICIAL SUBSTITUTES FOR SCALP HAIR.
















































   04181'97          Final page.                            DKH