Bill > HB2812

This bill aims to limit insurance copayments for terminally ill patients, specifically for services provided by licensed occupational therapists, speech-language pathologists, physical therapists, and their assistants. The legislation defines a "terminal illness" as a condition that cannot be cured, is likely to lead to death, and involves a diagnosed life expectancy of six months or less. Under this bill, insurance policies cannot charge these patients more in copayments for these specific therapy services than they would charge for services from a primary care or osteopathic physician. Additionally, the bill caps the total annual copayments for such services at $500 for terminally ill insureds, and this limitation will continue annually until the patient's death. The bill builds upon existing regulations that already require insurance policies to clearly state the availability and limitations of occupational, speech-language, and physical therapy coverage, and now extends additional financial protections to patients facing terminal diagnoses.

Budget and Finance

http://www.wvlegislature.gov/Bill_Status/Bills_history.cfm?input=2812&year=2025&sessiontype=RS&btype=bill