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Bill

SB 480

limiting certain prior authorization requirements for physical therapy, occupational therapy, and similar rehabilitative services.

2026 Regular Session Introduced by Debra Altschiller and 13 co-sponsors

New Hampshire bill restricts insurers from requiring advance approval for physical and occupational therapy, reducing treatment delays but potentially increasing healthcare costs and claims without oversight.

Inexpedient to Legislate: MA VV 05/14/2026 HJ 13
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WeVote Research Nonpartisan
Bill Summary · SB 480

Legislative bill overview

SB 480 would restrict insurance companies' ability to require prior authorization—advance approval from insurers before treatment begins—for physical therapy, occupational therapy, and other rehabilitative services in New Hampshire. The bill aims to reduce administrative barriers that delay patient access to these therapeutic treatments while they await insurance company decisions.

Why is this important

Prior authorization requirements can delay treatment initiation by days or weeks, potentially compromising patient recovery outcomes and increasing healthcare costs through extended disability periods. Rehabilitative services are time-sensitive treatments where delayed access directly impacts functional recovery, making this a practical healthcare access issue affecting patients, providers, and insurers differently.

Potential points of contention

  • Insurance industry concerns: Insurers argue prior authorization controls unnecessary or excessive treatment, preventing fraud and managing costs; removing these requirements could increase claims and premiums
  • Scope definition: The bill's language "and similar rehabilitative services" is vague and could create disputes over which services qualify, leading to implementation challenges and potential litigation
  • Provider incentives: Without authorization requirements, some argue providers lack financial restraint to recommend only medically necessary treatment, potentially increasing healthcare spending without corresponding quality improvements

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

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