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Bill

Bill

S 1260

Requires health insurance coverage of postpartum pelvic floor physical therapy.

2026-2027 Regular Session Introduced by Linda Greenstein

New Jersey bill requires health insurers to cover postpartum pelvic floor physical therapy without cost-sharing for patients recovering from childbirth.

Introduced in the Senate, Referred to Senate Commerce Committee
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WeVote Research Nonpartisan
Bill Summary · S 1260

Legislative bill overview

S 1260 requires health insurance plans in New Jersey to cover postpartum pelvic floor physical therapy as a covered benefit. The bill mandates insurance coverage for this specialized therapy without imposing cost-sharing requirements (copayments, coinsurance, or deductibles) beyond what the plan already requires.

Why this is important

Pelvic floor dysfunction affects a significant percentage of postpartum individuals and can cause long-term complications including incontinence, pain, and reduced quality of life. Currently, coverage varies widely across insurance plans, leaving many patients to pay out-of-pocket for therapy that could prevent or treat serious postpartum complications.

Potential points of contention

  • Cost implications: Insurance carriers may argue this mandate increases premiums; proponents counter that early intervention prevents more expensive complications later
  • Scope definition: Questions remain about what constitutes "postpartum" (weeks vs. months postdelivery) and which conditions qualify for coverage
  • Provider network gaps: New Jersey may lack sufficient pelvic floor physical therapists, creating access issues despite coverage requirements

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

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