Bulletin No. 90-07
Interpretive statement issued pursuant to act 306 of the public acts of 1969, as amended
Issued and entered October 3, 1990 by Dhiraj N. Shah, Acting Commissioner of Insurance
The purpose of this bulletin is to explain to insurers the provisions of Section 3475 of the Michigan Insurance Code, MCLA 500.3475. It has come to the attention of the Insurance Bureau that confusion exists among insurers with regard to the meaning of Section 3475. Specifically, complaints have been made regarding coverage for chiropractic care.
Section 3475 of the Code states:
The scope of professional services which are appropriately performed by licensed podiatrists, psychologists or chiropractors is defined by the Michigan Code of Public Health.
Under Section 3475, if a health or disability insurance policy provides reimbursement for a service that may legally be performed by a licensed podiatrist, psychologist, or chiropractor, then reimbursement under the policy cannot be denied if the service is in fact rendered by a licensed podiatrist, psychologist, or chiropractor.
Further, defining the term "physician" so as to exclude podiatrists, psychologists or chiropractors acting within the scope of their professional license and limiting the number of or maximum benefit for treatments or services performed by podiatrists, psychologists or chiropractors while not placing limits on the same treatments and services performed by other practitioners would be improper under Section 3475.
Information regarding the scope of professional medical practice may be obtained from the Podiatric Medicine and Surgery Board, Psychology Board or Chiropractic Board at:
Bureau of Health Services
Questions concerning this statement may be directed to:
Michigan Insurance Bureau
Attention: Ms. Mary K. Van Drasek (517) 335-1724