Require insurance coverage of prosthetics and orthotics

LB 410 requires most health insurance policies in Nebraska to cover medically necessary prosthetics (like artificial limbs) and orthotics (custom devices for body parts, such as braces) as prescribed by a doctor. It applies to individual/group health plans, hospital/surgical policies, and self-funded employer plans (where federal law doesn’t block it), matching the coverage level provided under Medicare for these items. The bill prohibits annual or lifetime dollar limits specifically for prosthetics/orthotics (though standard deductibles may still apply) and ensures access to care from non-contracted specialists. This directly affects Nebraskans with insurance who need these medical devices, ensuring coverage aligns with Medicare standards without additional financial barriers for these specific services.