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HB 1244

An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, providing for coverage for pelvic floor therapy.

2025-2026 Regular Session Introduced by Danilo Burgos and 17 co-sponsors

Pennsylvania bill mandates casualty insurance coverage for pelvic floor physical therapy to improve access to treatment for affected patients.

Re-referred to Aging & Older Adult Services
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Bill Summary · HB 1244

Legislative bill overview

HB 1244 amends Pennsylvania's Insurance Company Law of 1921 to require casualty insurance policies to cover pelvic floor physical therapy. The bill mandates that insurers include this therapeutic treatment as a covered benefit within casualty insurance plans offered in the state.

Why is this important

Pelvic floor dysfunction affects millions of people and can significantly impact quality of life, yet many insurance plans do not cover the specialized physical therapy treatment for this condition. This bill would expand access to care by removing a financial barrier that currently prevents many Pennsylvanians from seeking evidence-based treatment for a treatable medical condition.

Potential points of contention

  • Cost implications: Insurance companies will likely argue this mandate increases premiums for consumers, and insurers may need to adjust rates or coverage limits to accommodate the new requirement
  • Scope and definition: The bill's language regarding what qualifies as "pelvic floor therapy," which providers can deliver it, and what conditions warrant coverage could be ambiguous and require regulatory clarification
  • Medical necessity standards: Disagreement may exist over whether insurance should cover all pelvic floor therapy or only treatment deemed medically necessary by specific clinical criteria

Compiled from official sources — confirm details with the bill’s official record.

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