Health Insurance - Physical Therapy - Copayments, Coinsurance, and Deductibles

HB 367 prohibits health insurers, nonprofit health plans, and health maintenance organizations in Maryland from charging patients more for physical therapy services (like those for injury recovery) than they charge for an annual physical or wellness visit under the same plan. It requires these insurers to clearly disclose physical therapy coverage details, including limits and conditions, in all plans. The law applies to all health insurance policies issued, delivered, or renewed in Maryland after January 1, 2027. This bill directly affects patients seeking physical therapy and insurers operating in Maryland by standardizing out-of-pocket costs for these services.