The bill amends the Arkansas Health Care Consumer Act to enhance coverage for individuals with limb loss by requiring health benefit plans to provide coverage for specific types of prosthetic devices. Notably, the bill mandates coverage for prosthetic devices used in athletics or recreation, as well as those designed for showering or bathing. The coverage must be no less than eighty percent of Medicare allowable charges, and it specifies that replacements for these devices cannot occur more frequently than once every three years unless medically necessary.

Additionally, the bill introduces definitions and criteria for determining medical necessity, including the involvement of treating physicians and prosthetic providers in assessing the appropriate models for patients. It also establishes that recreational prostheses are deemed medically necessary if prescribed by a physician and outlines the qualifications for patients to be considered candidates for such devices. The Insurance Commissioner is granted authority to adopt necessary rules to enforce these provisions, ensuring that coverage for these prosthetic devices aligns with other health benefits under the plans.