This bill mandates that all individual and group sickness and accident insurance policies, as well as self-funded employee benefit plans in Nebraska, must provide coverage for prosthetics and orthotics. The coverage must at least match the standards set by the federal Medicare program, including provisions for repair or replacement deemed medically necessary by a treating physician. The bill allows insurers to require that these services be provided by contracted prosthetists, while also ensuring that individuals have access to necessary services from nonparticipating providers, similar to out-of-network benefits for other covered services.

Additionally, the bill specifies that while deductibles and copayments may apply, there cannot be any annual or lifetime dollar maximums on coverage for prosthetics and orthotics, except for those that apply to all other covered services. It also defines "orthotic" as a custom-fitted or custom-fabricated medical device for correcting deformities or improving function, and "prosthetic" as artificial limbs and associated components, including replacements due to changes in the patient's condition.