This bill seeks to improve the coverage and accessibility of prosthetic and orthotic devices for individuals with limb loss or differences by amending several sections of the General Laws, including Chapters 32A, 118E, 175, 176A, and 176B. It mandates that insurance providers offer coverage for both primary and custom-built prosthetic and orthotic devices in a nondiscriminatory manner, prohibiting denials based on an insured's actual or perceived disability. The legislation also requires insurers to cover the repair or replacement of these devices without imposing restrictive financial requirements, ensuring that individuals have access to necessary medical devices that support their daily activities.

Key provisions of the bill include the definition of orthotic and prosthetic devices, the requirement for insurers to provide access to multiple providers, and the stipulation that coverage for these devices should not be subject to separate financial requirements that are more restrictive than those for inpatient physician and surgical services. Additionally, the bill allows for the replacement of devices without regard to their useful lifetime if deemed necessary by a healthcare provider. Overall, the legislation aims to enhance the quality of life for individuals with limb loss by ensuring equitable access to essential medical devices.

Statutes affected:
Bill Text: 32A-17I, 175-47Z, 176A-8AA, 176B-4AA, 176G-4S