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Bill

SB 238

AN ACT TO AMEND TITLE 24, TITLE 29, AND TITLE 31 OF THE DELAWARE CODE RELATING TO INSURANCE COVERAGE FOR CHIROPRACTIC THERAPY AND PHYSICAL THERAPY.

153rd General Assembly (2025-2026) Introduced by Bill Bush and 17 co-sponsors

Delaware bill expands insurance coverage mandates for chiropractic and physical therapy services across multiple insurance types to increase patient access to these treatments.

Signed by Governor
0
WeVote Research Nonpartisan
Bill Summary · SB 238

Legislative bill overview

SB 238 amends Delaware insurance law to expand and clarify coverage requirements for chiropractic and physical therapy services. The bill modifies Titles 24, 29, and 31 of Delaware Code to establish or strengthen insurance coverage mandates for these therapeutic treatments, likely addressing gaps in current coverage definitions or benefit limitations.

Why is this important

Insurance coverage mandates directly affect healthcare affordability and access for Delaware residents. Many people rely on chiropractic and physical therapy for pain management and injury recovery, so changes to coverage requirements can significantly impact out-of-pocket costs and treatment decisions. The bill also affects insurance companies' operational costs and premium pricing across the state.

Potential points of contention

  • Cost implications: Expanded coverage mandates typically increase insurance premiums; insurers may argue this raises costs for all policyholders while benefiting a narrower group
  • Scope and limitations: Disagreement may exist over which conditions warrant coverage, visit frequency limits, and prior authorization requirements—balancing access against unnecessary treatment
  • Regulatory burden: The amendments to multiple titles suggest complex implementation requirements that may create compliance challenges for insurers and administrative costs

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

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