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HB 1391

An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, providing for reimbursement for custom-fabricated devices, custom-fitted devices, orthosis, orthotics, over-the-counter prostheses, orthoses and pedorthic devices, prefabricated orthoses, prostheses, prosthetics and components of such devices.

2025-2026 Regular Session Introduced by Lisa Borowski and 5 co-sponsors

Pennsylvania insurance bill mandates coverage and reimbursement for custom and prefabricated prosthetic, orthotic, and related medical devices for insured individuals.

Referred to Insurance
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WeVote Research Nonpartisan
Bill Summary · HB 1391

Legislative bill overview

HB 1391 amends Pennsylvania's Insurance Company Law to require casualty insurers to provide reimbursement coverage for custom-fabricated and custom-fitted orthopedic devices, prosthetics, orthotics, and related components. The bill expands insurance obligations to cover both custom and prefabricated versions of these medical devices that are currently either excluded or inadequately covered.

Why is this important

Orthopedic and prosthetic devices are essential medical equipment for people with limb loss, mobility impairments, and structural deformities, often costing thousands of dollars. Without insurance reimbursement mandates, patients face significant out-of-pocket expenses that can prevent them from accessing devices necessary for mobility, employment, and quality of life. This bill would remove or reduce financial barriers to accessing these devices for insured Pennsylvanians.

Potential points of contention

  • Cost implications: Insurance companies and employers will likely argue the mandate increases premiums and insurance costs, with debate over the magnitude of impact
  • Coverage scope ambiguity: The bill's broad language covering multiple device categories (custom, prefabricated, components) may create disputes over what specifically qualifies for reimbursement and at what rates
  • Medical necessity standards: Questions about whether all listed devices require insurance coverage or if standards should differentiate based on medical necessity, clinical evidence, and alternatives

Compiled from official sources — confirm details with the bill’s official record.

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