Bill > SB408

This bill requires health insurance policies to expand prosthetic device coverage to include adults over 19 years of age, extending an existing requirement that previously only covered children. Under the proposed legislation, insurers must provide coverage for prosthetic devices, including activity-specific prosthetic devices (specialized devices designed for particular activities that might damage standard prostheses), for all state residents. For activity-specific devices, insurers can limit coverage to one device every five years, while medically necessary prosthetic devices will not be subject to annual limits. The bill defines "prosthetic" as an artificial body part substitute for functional or therapeutic purposes and "activity-specific prosthetic device" as a device allowing individuals to participate in specific activities without risking damage to their residual limb or everyday prosthesis. The coverage includes materials, components, instructions for use, and repair or replacement of devices when medically necessary. Notably, the bill does not apply to plans available through the Small Business Health Options Program (SHOP), and it will take effect on January 1, 2027. The Insurance Department estimates this could affect approximately 8,900 adults and potentially increase annual health insurance claims costs between $4 to $12 million.

Health and Social Services

https://gc.nh.gov/bill_Status/billinfo.aspx?id=1227&inflect=2