Vermont H0432 expands health insurance coverage for prosthetic and orthotic devices, ensuring parity with Medicare and prohibiting discrimination.

Vermont H0432 mandates that health insurance plans cover prosthetic and orthotic devices necessary for physical activities and overall health. It requires coverage equivalent to Medicare, prohibits discrimination based on disability, and mandates independent external review for disputes. The bill also sets rules for prior authorization, replacement, and repair coverage, and requires health insurers to report claims data to the Department of Financial Regulation. The provisions take effect on January 1, 2026, with a reporting deadline of December 1, 2029.

Vermont H0432 expands health insurance coverage for prosthetic and orthotic devices, ensuring parity with Medicare and prohibiting discrimination.

Vermont H0432 mandates that health insurance plans cover prosthetic and orthotic devices necessary for physical activities and overall health. It requires coverage equivalent to Medicare, prohibits discrimination based on disability, and mandates independent external review for disputes. The bill also sets rules for prior authorization, replacement, and repair coverage, and requires health insurers to report claims data to the Department of Financial Regulation. The provisions take effect on January 1, 2026, with a reporting deadline of December 1, 2029.