OK SB1673

Oklahoma's "Prosthetic Access and Accountability Act 2026" requires health benefit plans covering prosthetics to prioritize restoration of physical function as determined by the treating provider, with medical necessity based on patient functional goals rather than diagnosis, age, or disability

Insurers must respond to urgent prosthetic coverage requests within 2 business days and standard requests within 10 business days, with failure to respond resulting in automatic approval

Health plans that deny or delay physician-prescribed prosthetic devices face liability for resulting injuries, with a rebuttable presumption of negligence if patients suffer falls, hospitalization, or other harm during denial periods

Violations subject insurers to fines up to $5,000 per violation, daily penalties of $1,000 for unreasonable delays, and potential revocation of certificate of authority for repeated violations

Effective January 1, 2027, the Insurance Commissioner will enforce the act, investigate complaints, and publish annual reports on prosthetic benefit denials and adverse patient outcomes