This bill amends various chapters of the General Laws related to health insurance policies, specifically addressing the coverage of physical therapy services. It introduces a new section, 27-18-95, 27-19-87, 27-20-83, and 27-41-100 across different insurance categories, which stipulates that starting January 1, 2026, health insurance plans cannot impose a copayment, coinsurance, or office visit deductible for services rendered by licensed physical therapists that exceeds the amounts charged for similar services by primary care physicians or osteopaths. Additionally, insurers are required to clearly communicate the availability of physical therapy coverage and any related limitations, conditions, and exclusions. The bill aims to ensure equitable access to physical therapy services by aligning the cost-sharing requirements with those of primary care services, thereby potentially reducing the financial burden on patients seeking physical therapy. The act will take effect upon passage, reinforcing the legislative intent to enhance healthcare accessibility and affordability for individuals requiring physical therapy.