Require insurance coverage for infant cranial helmets

LB 805 requires most health insurance plans in Nebraska to cover cranial helmets for infants under one year old with specific conditions, including deformational plagiocephaly (flat head syndrome) or craniosynostosis (premature skull fusion). The bill applies to individual/group health policies, hospital/surgical plans, and self-funded employer plans (unless federal law preempts it), excluding short-term major medical plans and limited-benefit policies. Insurance companies must cover these helmets as prescribed by a doctor, ensuring families don't face out-of-pocket costs for this treatment. This directly affects infants with these conditions and their health insurers across the state.