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Bill

HB 564

Require health insurance coverage of orthotic, prosthetic devices

136th Legislature (2025-2026) Introduced by Rachel Baker and 17 co-sponsors

Ohio bill requires health insurers to cover orthotic and prosthetic devices, expanding access to mobility aids but potentially increasing insurance premiums.

Referred to committee
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Bill Summary · HB 564

Legislative bill overview

HB 564 would mandate that health insurance plans in Ohio cover orthotic and prosthetic devices. The bill requires insurers to include these medical devices in their coverage provisions, affecting how Ohioans access mobility and functional aids prescribed by healthcare providers.

Why is this important

Orthotic devices (braces, supports) and prosthetic devices (artificial limbs, replacements) can cost thousands of dollars out-of-pocket, making them inaccessible for many patients who need them for mobility, pain management, or basic functioning. Insurance mandates expand access to these medically necessary devices, but they also increase insurance costs, which may be passed to consumers through higher premiums.

Potential points of contention

  • Cost impact: Insurance companies argue that broad device coverage mandates increase premiums for all policyholders; patient advocates counter that these are essential medical devices, not optional treatments
  • Definition scope: The bill language may need clarification on which devices qualify (e.g., high-end prosthetics vs. basic orthotics, cosmetic vs. functional devices)
  • Prior authorization requirements: Unclear whether insurers can still require doctors to justify necessity before coverage, potentially delaying patient access to prescribed devices

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

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