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Colorados benchmark plan limits physical therapy to just 20 visits per year, but physical therapy is covered if, in the judgment of a Plan Physician, significant improvement is achievable within a two-month period. So insurers in Colorado must cover up to 20 physical therapy visits per year, and cannot limit coverage only to those who had a prior hospital stay

I walk into the office building on Tuesday morning, when the majority of workers have come into the office

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