Dental Benefits Insurer Payment & Reimbursement Rules

Current understanding

Michigan is considering amendments to the Insurance Code (1956 PA 218) that would add sec. 3406ss to govern how health insurers make payments and reimbursements for dental benefits. The provisions target insurer payment methods to dental providers and/or insureds, though specific mechanics (e.g., virtual credit card fees, EFT requirements, network vs. non-network reimbursement) depend on bill text. SB0105 has passed one chamber.

Evidence log

• 2026-07-29 — Insurance: health insurers; methods of payments and reimbursements for dental benefits; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ss.: cross-connection with dental-benefits-payment-reimbursement: Both pages track statutory rules on how health insurers pay and reimburse for dental benefits; PA 38 of 2026 (new sec. 3406ss) appears to be the same or a companion measure and these pages may need to be merged. (novelty: 3)
• 2026-06-18 — Insurance: health benefits; certification for qualified health plan and qualified dental plan; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406mm. TIE BAR WITH: SB 0973’26: cross-connection with state-based-health-insurance-exchange: SB0975’s certification standards for qualified dental plans on a state-based exchange intersect with existing dental benefits insurer payment/reimbursement rules. (novelty: 2)
• 2026-07-03 — Insurance: health insurers; methods of payments and reimbursements for dental benefits; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ss.: cross-connection with prescription-drug-copay-accumulator: Both are adjacent amendments to the Insurance Code (1956 PA 218) inserting new sec. 3406-series provisions that regulate how health insurers structure payments/reimbursements for specific benefit categories (prescription drugs vs. dental). (novelty: 2)

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