Relating to copayments required by a health maintenance organization or preferred provider benefit plan for visiting physical therapists.

HB 3695 limits copayments for physical therapy visits under certain health plans. It prohibits health maintenance organizations and preferred provider plans from charging enrollees a higher copayment for a physical therapist visit (without a referral) than for a primary care physician visit. The law applies to plans delivered, issued, or renewed on or after January 1, 2026, and takes effect September 1, 2025. This directly affects Texas enrollees who use physical therapy services without needing a physician referral.