FL S1440

Adds patient responsibility to review a document upon admission indicating they may be charged for out-of-network physician services.

Requires health care providers and facilities to present patients with a document before services are rendered disclosing potential out-of-network physician charges, with patient or staff signature verification required.

Mandates individual and group health insurance policies issued after July 1, 2016, to evaluate and cover orthotics, prosthetics, and orthoses/prostheses benefits equivalent to federal Medicare coverage levels.

Permits insurers to require prior authorization for orthotics and prosthetics, limit coverage to appropriate models meeting medical needs, and require services from certified orthotists/prosthetists and vendors.

Excludes limited benefit policies such as hospital indemnity, disability income, long-term care, and Medicare supplement plans from the orthotics and prosthetics coverage requirements.