Limits co-payments for physical and occupational therapy services

This bill (S 1198) limits patient co-payments for physical and occupational therapy services under group health insurance policies. It requires that insurers cannot charge co-payments exceeding 20% of the total reimbursement paid to the therapy provider. The law applies to all group accident, health, or accident-and-health insurance policies covering these services, which must be provided by licensed therapists under physician referral. This change directly affects insured patients receiving physical or occupational therapy, capping their out-of-pocket costs for these covered services.