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

SB 699 prohibits health insurers, nonprofit health plans, and HMOs in Maryland from charging patients more for covered physical therapy services than they charge for an annual physical or wellness visit under the same health plan. The bill requires these entities to clearly state all coverage rules, limits, and exclusions for physical therapy in their plan documents. It applies to all individual, group, and blanket health insurance policies issued in Maryland, effective January 1, 2027. This policy change directly affects health plan providers and ensures consistent cost-sharing for physical therapy compared to routine wellness visits.