Pelvic floor therapy is crucial for some women. You can guess how insurers feel.

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After complications from a bladder prolapse surgery, a patient named Grace developed a hematoma, or pooling of blood, and she needed pelvic floor physical therapy to help her pelvic muscles relax after holding such a large mass of blood. Without PFPT, Grace’s pelvic pain could get so severe that it was unbearable to sit down, and even after her hematoma disappeared, Grace still got flares: sudden onsets of pain that she says felt “like somebody was literally putting a vise into my vagina.”

Even though Grace sometimes rated these flares as high as 9 out of 10 on the pain scale, her insurance company was skeptical about whether her PFPT was medically necessary, cons