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 of these devices as deemed medically necessary by a treating physician. The bill allows insurance policies to require that prosthetics and orthotics be provided by contracted prosthetists, while ensuring that individuals have access to necessary services from nonparticipating providers under similar out-of-network terms.

Additionally, the bill clarifies that while deductibles and copayment provisions may still apply, there cannot be any annual or lifetime dollar maximums specifically for prosthetics and orthotics, except for those that apply to all covered services in aggregate. It also defines "orthotic" as a custom-fitted or 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.