Requesting Health Insurers And Managed Care Providers That Provide Health Insurance In The State To Provide Insurance Coverage For Prosthetic And Orthotic Devices.
The implications of HR87 are significant, as it aims to remedy the current discriminatory practices of insurance providers that restrict access to necessary medical devices. By advocating for comprehensive coverage, the bill intends to reduce the burdens of out-of-pocket expenses that individuals with disabilities face when seeking the appropriate prosthetic or orthotic devices. This change could also minimize the risks associated with limited mobility and improve overall health outcomes for affected individuals, targeting the prevention of secondary health conditions that disproportionately impact them.
House Resolution 87 (HR87) requests health insurers and managed care providers in Hawaii to provide comprehensive insurance coverage for prosthetic and orthotic devices. The resolution highlights the barriers faced by more than 18,000 residents in Hawaii living with limb loss, limb difference, and mobility impairments. Current insurance policies often deny access to essential activity-specific devices, which are crucial for individuals to engage in physical activities and daily functions, thus perpetuating inequities in health and economic opportunities for people with disabilities in Hawaii.
The resolution encapsulates concerns regarding health equity, emphasizing that the lack of adequate insurance coverage not only affects physical health but also exacerbates economic disparities. While HR87 serves as a strong call to action for insurers, the actual implementation and commitment by these insurers will determine its effectiveness. Moreover, potential opposition may arise from insurance companies worried about the cost implications of broadening coverage, which could lead to debates surrounding the financial sustainability of such policy changes.