Rhode Island Senate Bill S2334

Rhode Island 2022 Regular Session

• Introduced: 2/15/22
• Refer: 2/15/22

Caption

Accident And Sickness Insurance Policies -- Physical Therapy Copay

Impact

The legislation aims to ensure equitable healthcare access by aligning the cost of physical therapy with that of primary care services. This is particularly important as physical therapy can be essential for rehabilitation and recovery from various illnesses and injuries. By limiting out-of-pocket costs, the bill may encourage more patients to seek necessary therapeutic services, potentially leading to better health outcomes. The requirement for insurers to clearly communicate coverage details supports consumer awareness and informed decision-making regarding healthcare options.

Summary

Bill S2334, known as the 'Accident and Sickness Insurance Policies -- Physical Therapy Copay,' seeks to amend existing insurance laws in Rhode Island. Specifically, the bill prohibits health insurance plans from imposing a copayment, coinsurance, or office visit deductible for services rendered by a licensed physical therapist that is higher than those charged for similar services by a primary care physician or osteopath. This regulation is set to take effect on January 1, 2023, upon passage of the bill. Proponents of the bill argue it will improve access to physical therapy services by making them financially more manageable for patients seeking care.

Contention

Although the bill is generally well-received, concerns have been raised regarding its implications for health insurance providers. Some insurers may argue that this could lead to increased costs for them, which could subsequently impact insurance premiums for policyholders. There may also be debates on how effectively this bill can be implemented across different insurance plans, particularly regarding the clarity of coverage information that insurers are mandated to provide. Some stakeholders might express concerns about the regulatory burdens these changes could impose on insurers.