Limits co-payments for physical and occupational therapy services

This bill limits out-of-pocket costs for physical and occupational therapy by capping co-payments at 20% of the total reimbursement paid to the provider. It directly affects insured individuals who use these services under group health, accident, or health insurance plans. The key provision requires all such policies to comply with the 20% co-payment limit, regardless of whether therapy is provided by a physician or a licensed therapist. This applies to services covered under physician referrals and replaces previous higher co-payment thresholds.