Limits copays, coinsurance or office deductibles for services of a physical therapist to the amount authorized for the services of a primary care physician or osteopath on or after January 1, 2025.
The anticipated impact of HB 7151 is significant, aiming to standardize the cost of physical therapy services across various insurance policies within the state. By aligning the payment structure for physical therapy with that of primary care, the bill is designed to enhance affordability and access to necessary rehabilitation services. If passed, this legislation would mark an important step in ensuring equitable treatment options for individuals requiring physical therapy following injuries or surgeries, fostering a competitive healthcare landscape where patients' needs are prioritized.
House Bill 7151, introduced in January 2024, seeks to amend existing state insurance regulations concerning physical therapy services. Specifically, the bill proposes that individual or group health insurance plans effective on or after January 1, 2025, should not impose copayments, coinsurance, or office visit deductibles for services rendered by licensed physical therapists that exceed those applied to visits with primary care physicians or osteopaths. This measure aims to alleviate the financial burden on patients seeking physical therapy and to encourage greater access to these essential healthcare services.
While proponents of the bill argue that it will improve patient access and reduce out-of-pocket expenses for physical therapy, concerns may arise regarding the implications for insurance providers. Detractors could question whether the mandated cap on copayments might lead insurers to adjust their coverage models, potentially resulting in higher premiums or reduced availability of physical therapy services. Such points of contention may emerge during legislative discussions, especially considering the balance between patient care and insurance market dynamics.