Relating to placing a cap on insurance copays

HB 2812 caps annual insurance copays at $500 for terminally ill West Virginia residents seeking specific therapies. It directly affects insureds diagnosed with a terminal illness (defined as a condition with a life expectancy of six months or less that cannot be cured). The bill requires insurers to limit out-of-pocket costs for occupational therapy, speech therapy, and physical therapy services to no more than $500 per year - matching the standard copay for primary care visits. This cap applies until the insured's death and clarifies that insurers cannot charge more for these therapies than for primary care appointments.