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Bill

HB 3914

Relating to the health benefit plan coverage of and reimbursement for the treatment of a first responder's injuries sustained within the course and scope of employment.

89th Legislature (2025) Introduced by Mando Martinez

HB 3914 mandates health insurance coverage and reimbursement for work-related injuries sustained by first responders during official duties in Texas.

Left pending in committee
#divisionofworkers'compensation #texasdept.ofinsurance(v1261) #firefighters&police--general(i0370) #health--emergencyservices&personnel(i0384) #insurance--health&accident(i0422) #labor--workers'compensation(i0470) #peaceofficers(s0007)
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Bill Summary · HB 3914

Legislative bill overview

HB 3914 would require health benefit plans to cover and reimburse treatment for injuries that first responders (firefighters, police officers, EMS personnel, etc.) sustain while performing their official duties. The bill aims to ensure comprehensive medical coverage for work-related injuries without gaps in treatment or reimbursement disputes.

Why is this important

First responders face occupational hazards that result in significant injuries, and treatment gaps or coverage denials can leave them without necessary care or create financial hardship during recovery. Clarifying insurance obligations could reduce administrative barriers and ensure consistent access to needed medical services for those injured in the line of duty.

Potential points of contention

  • Insurance cost implications: Health insurers may argue that expanded mandates increase premiums for all plan participants, and that workers' compensation already covers these injuries
  • Scope definition disputes: Determining what constitutes "course and scope of employment" can be contentious—defining it too broadly might include injuries insurers consider outside work duties
  • Interaction with workers' compensation: The bill's relationship to existing workers' compensation systems is unclear; it's uncertain whether this creates duplicative coverage or addresses gaps in current workers' comp programs

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

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