WV HB3090

Health benefit plans issued or renewed on or after January 1, 2026, must cover habilitative and rehabilitative speech therapy services for stuttering treatment, exempt from deductibles, copays, and per-visit charges.

Coverage applies across multiple insurance types including public employees insurance (PEIA), Medicaid, accident and sickness insurance, group insurance, hospital/medical service corporations, health care corporations, and HMOs.

Insurers cannot impose annual benefit limits, visit limits to speech-language pathologists, prior authorization requirements, or medical necessity determinations for stuttering treatment.

Coverage must include both in-person and telehealth speech therapy services, with telehealth platforms required to comply with HIPAA privacy provisions.

Habilitative speech therapy for developmental stuttering must be covered regardless of whether the condition is classified as developmental in origin.