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LB 805

Require insurance coverage for infant cranial helmets

109th Legislature (2025-2026) Introduced by John Cavanaugh and 1 co-sponsor

Nebraska bill mandates health insurance coverage for infant cranial helmets to reduce out-of-pocket costs for families treating head shape abnormalities.

Notice of hearing for February 24, 2026
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Bill Summary · LB 805

Legislative bill overview

LB 805 would mandate that health insurance policies in Nebraska cover infant cranial helmets (orthotic devices used to correct head shape abnormalities in infants). The bill requires insurers to include this coverage in their policies without exclusions or unreasonable limitations.

Why is this important

Cranial helmets can cost $3,000-$5,000 out-of-pocket, making them inaccessible to many families despite medical recommendations for conditions like plagiocephaly. Mandating coverage removes financial barriers to a treatment recommended by pediatricians and could reduce long-term developmental concerns, though it also increases insurance costs that may be passed to policyholders.

Potential points of contention

  • Insurance cost increases: Mandated coverage typically raises premiums for all policyholders, including those who may never use the benefit
  • Medical necessity debate: Some argue the condition often self-corrects and doesn't always require intervention, questioning whether mandatory coverage is justified
  • Coverage scope ambiguity: The bill's language about what qualifies as medically necessary cranial helmet therapy and age limits remains unclear from the summary

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

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