HI HB1536

Requires all individual and group health insurance policies, mutual benefit society contracts, and health maintenance organization plans issued or renewed on or after January 1, 2027, to cover prosthetic and orthotic devices for policyholders and their dependents.

Establishes minimum annual benefits for prosthetic devices (per affected limb) and orthotic devices, though the specific dollar amounts are left blank in the bill for later determination.

Defines prosthetic devices broadly to include artificial devices replacing missing or surgically removed body parts, including activity-specific prostheses designed for sports or activities that could damage everyday prosthetics.

Allows coverage to be subject to standard deductibles, copayments, coinsurance, and payment limits consistent with other similar benefits, and permits policyholders to choose higher-priced devices without penalty to providers.

Excludes auditory, ophthalmic, dental, and ocular devices from the prosthetic device definition, and exempts limited benefit health insurance from the coverage requirements.