Michigan Contraception Insurance Coverage Refusal Clause
This law was last updated on Dec 5, 2016
The Michigan Civil Rights Commission, Declaratory Ruling on Contraceptive Equity allows a religious employer to require issuers of its health-insurance plans to exclude coverage for contraception if it is contrary to their religious tenets.
Under the ruling, it is discriminatory to exclude prescription contraceptives from an otherwise comprehensive health plan. However, the ruling states an exception should be made for certain religious employers.
The ruling defines religious employer to mean an entity for which all the following are true:
- The entity is a nonprofit organization as defined under section 501(c)(3) of the Internal Revenue Code of 1986, as amended.
- The inculcation of religious values is the purpose of the entity.
- The entity primarily employs people who share the religious tenets of the entity.
- The entity serves primarily persons who share the religious tenets of the entity.
The ruling, issued in 2006, does not require the refusing entity to provide notification or offer any option to purchase a separate insurance rider for individuals seeking contraception coverage.