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S2463 • 2026

AN ACT RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES -- PHYSICAL THERAPY COPAY (Limits copays, coinsurance or office deductibles for services of a physical therapist to the amount authorized for the services of a primary care physician or osteopath on or after January 1, 2027.)

AN ACT RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES -- PHYSICAL THERAPY COPAY (Limits copays, coinsurance or office deductibles for services of a physical therapist to the amount authorized for the services of a primary care physician or osteopath on or after January 1, 2027.)

Passed Legislature

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

Sponsor
Ujifusa, Mack, DiMario, Lauria, Valverde, Kallman, Acosta, Quezada
Last action
2026-04-16
Official status
Committee recommended measure be held for further study
Effective date
Not listed

Plain English Breakdown

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

AN ACT RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES -- PHYSICAL THERAPY COPAY (Limits copays, coinsurance or office deductibles for services of a physical therapist to the amount authorized for the services of a primary care physician or osteopath on or after January 1, 2027.)

AN ACT RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES -- PHYSICAL THERAPY COPAY (Limits copays, coinsurance or office deductibles for services of a physical therapist to the amount authorized for the services of a primary care physician or osteopath on or after January 1, 2027.)

What This Bill Does

  • AN ACT RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES -- PHYSICAL THERAPY COPAY (Limits copays, coinsurance or office deductibles for services of a physical therapist to the amount authorized for the services of a primary care physician or osteopath on or after January 1, 2027.)

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. 2026-04-16 Committee

    Committee recommended measure be held for further study

  2. 2026-04-10 Rhode Island General Assembly

    Scheduled for hearing and/or consideration (04/16/2026)

  3. 2026-02-06 Rhode Island General Assembly

    Introduced, referred to Senate Health and Human Services

Official Summary Text

AN ACT RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES -- PHYSICAL THERAPY COPAY (Limits copays, coinsurance or office deductibles for services of a physical therapist to the amount authorized for the services of a primary care physician or osteopath on or after January 1, 2027.)

Current Bill Text

Read the full stored bill text 
S2463

2026 -- S 2463
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LC004928
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STATE OF RHODE ISLAND
IN GENERAL ASSEMBLY
JANUARY SESSION, A.D. 2026
____________
A N A C T
RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES --
PHYSICAL THERAPY COPAY

Introduced By:
Senators Ujifusa, Mack, DiMario, Lauria, Valverde, Kallman, Acosta,
and Quezada

Date Introduced:
February 06, 2026

Referred To:
Senate Health & Human Services
It is enacted by the General Assembly as follows:
1
SECTION 1. Chapter 27-18 of the General Laws entitled "Accident and Sickness Insurance
2
Policies" is hereby amended by adding thereto the following section:
3

27-18-96. Physical therapists.

4

(a) An individual or group health insurance plan or policy delivered, issued for delivery, or
5
renewed in this state on or after January 1, 2027, shall not impose a copayment, coinsurance, or
6
office visit deductible amount charged to the insured for services rendered by a physical therapist
7
licensed under § 5-40-7 that is greater than the copayment, coinsurance or office visit deductible
8
amount charged to the insured for the services of a primary care physician or osteopath licensed
9
under chapter 37 of title 5.
10

(b) An insurer shall state clearly the availability of physical therapy coverage under its plan
11
and all related limitations, conditions, and exclusions.
12
SECTION 2. Chapter 27-19 of the General Laws entitled "Nonprofit Hospital Service
13
Corporations" is hereby amended by adding thereto the following section:
14

27-19-88. Physical therapists.

15

(a) An individual or group health insurance plan or policy delivered, issued for delivery, or
16
renewed in this state on or after January 1, 2027, shall not impose a copayment, coinsurance, or
17
office visit deductible amount charged to the insured for services rendered by a physical therapist
18
licensed under § 5-40-7 that is greater than the copayment, coinsurance or office visit deductible

1
amount charged to the insured for the services of a primary care physician or osteopath licensed
2
under chapter 37 of title 5.
3

(b) An insurer shall state clearly the availability of physical therapy coverage under its plan
4
and all related limitations, conditions, and exclusions.
5
SECTION 3. Chapter 27-20 of the General Laws entitled "Nonprofit Medical Service
6
Corporations" is hereby amended by adding thereto the following section:
7

27-20-84. Physical therapists.

8

(a) An individual or group health insurance plan or policy delivered, issued for delivery, or
9
renewed in this state on or after January 1, 2027, shall not impose a copayment, coinsurance, or
10
office visit deductible amount charged to the insured for services rendered by a physical therapist
11
licensed under § 5-40-7 that is greater than the copayment, coinsurance or office visit deductible
12
amount charged to the insured for the services of a primary care physician or osteopath licensed
13
under chapter 37 of title 5.
14

(b) An insurer shall state clearly the availability of physical therapy coverage under its plan
15
and all related limitations, conditions, and exclusions.
16
SECTION 4. Chapter 27-41 of the General Laws entitled "Health Maintenance
17
Organizations" is hereby amended by adding thereto the following section:
18

27-41-101. Physical therapists.

19

(a) An individual or group health insurance plan or policy delivered, issued for delivery, or
20
renewed in this state on or after January 1, 2027, shall not impose a copayment, coinsurance, or
21
office visit deductible amount charged to the insured for services rendered by a physical therapist
22
licensed under § 5-40-7 that is greater than the copayment, coinsurance or office visit deductible
23
amount charged to the insured for the services of a primary care physician or osteopath licensed
24
under chapter 37 of title 5.
25

(b) An insurer shall state clearly the availability of physical therapy coverage under its plan
26
and all related limitations, conditions, and exclusions.
27
SECTION 5. This act shall take effect upon passage.
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LC004928
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LC004928 - Page 2 of 3
EXPLANATION
BY THE LEGISLATIVE COUNCIL
OF
A N A C T
RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES --
PHYSICAL THERAPY COPAY
***
1
This act would limit copays, coinsurance or office deductibles for services of a physical
2
therapist to the amount authorized for the services of a primary care physician or osteopath on or
3
after January 1, 2027.
4
This act would take effect upon passage.
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LC004928
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LC004928 - Page 3 of 3