HB 2812
Relating to placing a cap on insurance copays
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- Passed House of Delegates
- Passed Senate
- To Governor
- Became Law
Bill overview
This bill aims to limit copayments for certain healthcare services – occupational therapy, speech-language therapy, and physical therapy – for West Virginians diagnosed with a terminal illness. Specifically, it caps annual copayments for these services at $500 for terminally ill insureds until their death. The bill clarifies the definition of ‘terminal illness’ as a condition unlikely to be cured and with a life expectancy of six months or less.
Key provisions
- Caps annual copayments for occupational therapy, speech-language therapy, and physical therapy at $500 for terminally ill insureds.
- Defines ‘terminal illness’ as a condition unlikely to be cured with a life expectancy of six months or less.
- Applies this cap to services rendered by licensed therapists.
- Clarifies that the cap continues until the insured’s death.
- Requires insurance policies to clearly state coverage for these therapies and related limitations.
Who is affected
- West Virginia residents with health insurance
- Individuals diagnosed with a terminal illness
- Healthcare providers offering occupational therapy, speech-language therapy, and physical therapy
- Insurance companies operating in West Virginia
Notable changes
- Establishes a specific copay cap of $500 per year for terminally ill insureds receiving services from specified therapists.
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