AZ HB2302

Requires health insurance subscription contracts to provide prosthetic and orthotic device coverage equivalent to Medicare (Title XVIII of Social Security Act) with no less favorable terms than other medical benefits.

Mandates coverage for the most medically necessary device selected by treating physician, all related services and supplies (design, fabrication, fitting, instruction), and repair or replacement for activities of daily living or job-related activities.

Requires reimbursement rates at least equivalent to Medicare rates and comparable to internal restorative devices within the same policy.

Prohibits insurers from imposing different deductibles, copayments, coinsurance, benefit maximums, waiting periods, or annual/lifetime limits on prosthetic and orthotic coverage than on other medical benefits.

Applies the same requirements to health maintenance organization evidence of coverage, disability insurance policies, and group/blanket disability insurance policies; excludes limited benefit coverage.