Relating to: prior authorization for coverage of physical therapy, occupational therapy, speech therapy, chiropractic services, and other services under health plans.

SB 373 limits health insurance plans' use of prior authorization for physical therapy, occupational therapy, speech therapy, and chiropractic care. It prohibits requiring prior approval for the first 12 visits per condition (or 90 days for chronic pain management at up to twice weekly visits) and mandates equivalent copays to primary care. Insurance plans must explain coverage denials in plain language and decide on reauthorizations within 3 business days (or approval is automatic). This directly affects health insurance plans and patients seeking these specific therapies in the state.