Bill > H5082

This bill seeks to standardize copayments, coinsurance, and office visit deductibles for physical therapists across different types of health insurance plans in Rhode Island, effective January 1, 2026. Specifically, the bill requires that health insurance plans (including individual and group plans from insurance companies, nonprofit hospital and medical service corporations, and health maintenance organizations) cannot charge patients higher out-of-pocket costs for physical therapy services than they would for services provided by a primary care physician or osteopath. The legislation applies to all health insurance policies delivered, issued, or renewed in the state after the specified date. Additionally, the bill mandates that insurers must clearly communicate the availability of physical therapy coverage, including any related limitations, conditions, and exclusions. By equalizing the cost-sharing requirements for physical therapy, the bill aims to improve patient access to these important healthcare services by making them more financially affordable and transparent.

Health and Social Services

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