Maryland Medical Assistance Program and Health Insurance - Coverage for Prostheses (So Every Body Can Move Act)
The bill represents a significant change in state laws regarding health insurance coverage, extending necessary benefits to individuals requiring orthotic and prosthetic devices. It aims to prohibit insurers from denying coverage based on a patient's actual or perceived disability, reinforcing the principles laid out under the Americans with Disabilities Act. Furthermore, the act aligns Maryland's healthcare policies with modern practices in disability rights and health equity, reflecting a growing recognition of the need for comprehensive care for individuals with physical disabilities.
SB614, known as the So Every Body Can Move Act, mandates that the Maryland Medical Assistance Program and certain insurers provide coverage for orthoses and prostheses. This legislation is designed to ensure that individuals requiring these medical devices have access to necessary support, particularly for people with disabilities. The coverage will begin on January 1, 2025, and includes provisions for nondiscriminatory utilization review, aiming to improve accessibility to such vital services for those in need.
The sentiment surrounding SB614 has been largely positive, with advocates celebrating the bill as a crucial step forward in ensuring healthcare equity. Disability rights groups and health professionals have expressed support, arguing that the legislation will significantly benefit individuals with limb loss or limitations by providing essential aids that enhance mobility and quality of life. However, some concerns were raised regarding the implementation and enforcement of coverage mandates, particularly related to timely access to services and potential bureaucratic hurdles.
One notable area of contention relates to the specifics of compliance for insurers and health plans. There are concerns about whether the new mandates could lead to increased costs for insurance providers, which may, in turn, affect premiums for all insured parties. Additionally, the necessity for insurers to ensure the availability of multiple orthotics and prosthetics providers in their networks poses challenges and may require adjustments to existing provider agreements. The balancing of cost and accessibility continues to be a focal point of discussion among stakeholders.