This bill amends existing health insurance laws to expand coverage for prosthetic devices to include adults over the age of 19, in addition to the current coverage for children under 19. Specifically, it requires insurers to provide coverage for both general and activity-specific prosthetic devices for individuals over 19 who are residents of New Hampshire. The bill allows insurers to limit coverage for activity-specific devices to one every five years and permits the application of utilization management, which may restrict coverage if an individual has received an activity-specific device within the last five years. Medically necessary prosthetic devices will not be subject to annual limits, and coverage will adhere to other policy terms and conditions.

The bill also clarifies definitions related to prosthetics and specifies that coverage for prosthetic devices must be provided under the same terms as other durable medical equipment, with the exception of certain provisions outlined in the new section. The effective date for this legislation is set for January 1, 2028. Notably, the bill deletes the previous requirement for coverage limited to children and introduces new provisions for adult coverage, thereby broadening the scope of prosthetic device insurance in New Hampshire.

Statutes affected:
Introduced: 415:18-ff, 415:18-n
As Amended by the Senate (2nd): 415:18-ff, 415:18-n
As Amended by the House: 415:18-ff, 415:18-n
Version adopted by both bodies: 415:18-ff, 415:18-n
CHAPTERED FINAL VERSION: 415:18-ff, 415:18-n
SB408 text: 415:18-ff, 415:18-n