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SB0699 • 2026

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

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

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor
Senator McCray
Last action
2026-02-12
Official status
In the Senate - Hearing 3/04 at 1:00 p.m.
Effective date
2027-01-01

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

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

Prohibiting insurers, nonprofit health service plans, and health maintenance organizations from imposing a copayment, coinsurance, or deductible for covered physical therapy services that is greater than the copayment, coinsurance, or deductible imposed for an annual physical or wellness visit under the same plan or contract.

What This Bill Does

  • Prohibiting insurers, nonprofit health service plans, and health maintenance organizations from imposing a copayment, coinsurance, or deductible for covered physical therapy services that is greater than the copayment, coinsurance, or deductible imposed for an annual physical or wellness visit under the same plan or contract.

Limits and Unknowns

  • This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

  1. 2026-02-12 Senate

    Hearing 3/04 at 1:00 p.m.

  2. 2026-02-06 Senate

    First Reading Finance

  3. Maryland General Assembly

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

Official Summary Text

Prohibiting insurers, nonprofit health service plans, and health maintenance organizations from imposing a copayment, coinsurance, or deductible for covered physical therapy services that is greater than the copayment, coinsurance, or deductible imposed for an annual physical or wellness visit under the same plan or contract.

Current Bill Text

Read the full stored bill text 
EXPLANATION: CAPITALS INDICATE MATTER ADDED TO EXISTING LAW.
[Brackets] indicate matter deleted from existing law.
*sb0699*

SENATE BILL 699
J5, J4 6lr2013
SB 725/22 – FIN CF HB 367
By: Senator McCray
Introduced and read first time: February 6, 2026
Assigned to: Finance

A BILL ENTITLED

AN ACT concerning 1

Health Insurance – Physical Therapy – Copayments, Coinsurance, and 2
Deductibles 3

FOR the purpose of prohibiting insurers, nonprofit health service plans, and health 4
maintenance organizations from imposing a copayment, coinsur ance, or deductible 5
for covered physical therapy services that is greater than the copayment, 6
coinsurance, or deductible imposed for an annual physical or wellness visit under the 7
same plan or contract; requiring insurers, nonprofit health service plans, and health 8
maintenance organizations to state in each plan or contract the coverage 9
requirements, limitations, conditions, and exclusions for the provision of physical 10
therapy services; and generally relating to health insurance and physical therapy 11
services. 12

BY adding to 13
Article – Insurance 14
Section 15–864 15
Annotated Code of Maryland 16
(2017 Replacement Volume and 2025 Supplement) 17

SECTION 1. BE IT ENACTED BY THE GENERAL ASSEMBLY OF MARYLAND, 18
That the Laws of Maryland read as follows: 19

Article – Insurance 20

15–864. 21

(A) IN THIS SECTION , “PHYSICAL THERAPY SER VICES” MEANS SERVICES 22
PROVIDED TO A PATIEN T WITHIN THE SCOPE O F PRACTICE OF A PHYS ICAL 23
THERAPIST WHO IS LIC ENSED BY THE STATE BOARD OF PHYSICAL THERAPY 24
2 SENATE BILL 699

EXAMINERS TO PRACTICE PHYSICAL THERAPY UNDER THE HEALTH OCCUPATIONS 1
ARTICLE. 2

(B) THIS SECTION APPLIES TO: 3

(1) INSURERS AND NONPROF IT HEALTH SERVICE PL ANS THAT 4
PROVIDE COVERAGE FOR PHYSICAL THERAPY UND ER INDIVIDUAL , GROUP, OR 5
BLANKET HEALTH INSUR ANCE POLICIES OR CON TRACTS THAT ARE ISSU ED OR 6
DELIVERED IN THE STATE; AND 7

(2) HEALTH MAINTENANCE O RGANIZATIONS THAT PR OVIDE 8
COVERAGE FOR PHYSICA L THERAPY UNDER INDI VIDUAL OR GROUP CONT RACTS 9
THAT ARE ISSUED OR DELIVERED IN THE STATE. 10

(C) FOR EACH DATE COVERED PHYSICAL THERAPY SER VICES ARE 11
PROVIDED, AN ENTITY SUBJECT TO THIS SECTION MAY NOT IMPOSE A COPAYMENT, 12
COINSURANCE, OR DEDUCTIBLE AMOUNT FOR THE PHYSICAL THE RAPY SERVICES 13
THAT IS GREATER THAN THE COPAYMENT, COINSURANCE, OR DEDUCTIBLE AMOUNT 14
IMPOSED FOR AN ANNUAL PHYSICAL OR WELLNESS VISIT UNDER THE SAME PLAN OR 15
CONTRACT. 16

(D) AN ENTITY SUBJECT TO THIS SECTION SHALL CLEARLY STATE IN EACH 17
PLAN OR CONTRACT THE COVERAGE REQUIREMENTS, LIMITATIONS, CONDITIONS, 18
AND EXCLUSIONS FOR THE PROVISION OF PHYSICAL THERAPY SERVICES. 19

SECTION 2. AND BE IT FURTHER ENACTED, That this Act shall apply to all 20
policies, contracts, and health benefit plans issued, delivered, or renewed in the State on or 21
after January 1, 2027. 22

SECTION 3. AND BE IT FURTHER ENACTED, That this Act shall take effect 23
January 1, 2027. 24