Section 415:18-ff - [Effective 1/1/2025] Coverage For Prosthetic Devices For ChildrenEach insurer that issues or renews a policy of group or blanket accident or health insurance providing benefits for medical or hospital expenses shall provide coverage for prosthetic devices, including activity-specific prosthetic devices, for children under 19 years of age, who are residents of this state and covered by such insurance. The insurer may limit coverage for activity-specific prosthetic devices to one activity-specific prosthetic device per plan year. Medically necessary prosthetic devices shall not be subject to any annual limits. Coverage under this section shall be subject to such other terms and conditions of the policy that may apply.
I. Covered benefits shall include: (a) All materials and components necessary to use the device;(b) Instruction to the enrollee on using the device; and(c) The repair or replacement of a prosthetic device that is determined medically necessary or is necessary for maximizing the enrollee's ability to engage in the specific activity.II. In this section:(a) "Prosthetic" means an artificial substitute for a body part for functional or therapeutic purposes.(b) "Activity-specific prosthetic device" means a prosthetic device designed to allow an individual to participate in a specific activity that could damage the residual limb or everyday prosthesis, or when the everyday prosthesis would not function effectively to perform that specified activity.III. This section shall not apply to plans available through the Small Business Health Options Program (SHOP).Added by 2024, 144:1, eff. 1/1/2025.