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Bill

SB 270

Coverage of orthotic and prosthetic devices.

2025 Regular Session Introduced by Andrea Hunley

Requires Indiana health insurers to cover medically necessary orthotic and prosthetic devices, expanding access but potentially raising insurance costs.

Committee report: amend do pass adopted; reassigned to Committee on Insurance and Financial Institutions
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WeVote Research Nonpartisan
Bill Summary · SB 270

Legislative bill overview

SB 270 requires Indiana health insurance plans to cover orthotic and prosthetic devices as medically necessary treatments. The bill establishes coverage mandates and likely includes provisions defining which devices qualify and any associated cost-sharing arrangements between insurers and patients.

Why is this important

Orthotic and prosthetic devices enable mobility, function, and independence for individuals with limb loss, spinal conditions, and other disabilities. Insurance coverage mandates directly affect affordability and access to these life-altering medical devices for thousands of Hoosiers, while also influencing insurance premium costs statewide.

Potential points of contention

  • Cost implications: Mandated coverage typically increases premiums for all policyholders; debate over whether costs justify expanded access
  • Definition disputes: Disagreement over which devices qualify as "medically necessary" versus elective upgrades (basic vs. advanced prosthetics)
  • Insurance market impact: Concerns that expanded mandates may reduce coverage options or increase costs for small businesses and individual market participants

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

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