This bill amends current health insurance laws to expand coverage for prosthetic devices to include adults over the age of 19, in addition to the existing coverage for children under 19. Specifically, it requires insurers to provide coverage for medically necessary prosthetic devices, including activity-specific prosthetic devices, for all residents of New Hampshire regardless of age. The bill allows insurers to limit coverage for activity-specific devices to one per plan year for children and one every five years for adults. The language also clarifies that coverage for medically necessary prosthetic devices will not be subject to annual limits and will adhere to the terms and conditions of the insurance policy.

In terms of legal language changes, the bill deletes the previous specification of coverage being limited to children and inserts provisions for adult coverage. It also modifies the definitions and conditions under which prosthetic devices are covered, ensuring that all necessary materials, instructions, and repairs are included as part of the benefits. The bill is set to take effect on January 1, 2026, and is expected to have a significant fiscal impact, with estimated costs ranging from $20 million to $60 million annually due to the increased claims for prosthetic devices.

Statutes affected:
Introduced: 415:18-ff, 415:18-n
As Amended by the Senate: 415:18-ff, 415:18-n