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 physician. The bill specifies that while insurers may require prosthetics and orthotics to be provided by contracted prosthetists, individuals must still have access to necessary services from non-participating providers, similar to out-of-network benefits for other covered services.

Additionally, the bill clarifies that while deductibles and copayment provisions can be applied, 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 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.