Upper Limb Prosthetics

Prosthetic Parity Legislation

So, what is prosthetic parity? It is state or federal legislation requiring insurance companies to pay for prosthetic devices on par with federal programs, payment rules and regulations. Federal Program could be Medicare, Medicaid, or programs such as the Federal Employee insurance held by Congress and other government employees. These programs provide reimbursement without capitation or exclusions for medically necessary services such as prosthetic devices.

Why is legislation necessary? Because not all private insurance policies are created equal. While many insurances policies do pay for prosthetics without extensive requirements, there is a growing trend across the US demonstrating that private insurance companies are significantly reducing prosthetic benefits or eliminating prosthetic coverage. The most notable change in prosthetic coverage is the 'insurance cap'. Simply put an 'insurance cap' is a yearly or lifetime benefit maximum. The 'cap' is a common method used to limit coverage, reducing the company's financial obligation and payout, but still allowing the company to claim to offer the benefit.
--from ezinearticles.com for full article, click here:  
http://ezinearticles.com/?Prosthetic-Parity---What-is-It?&id=645273

The problem is that a growing number of group and private insurance companies cap the benefit so low that the average working family can’t afford a device.

Federal Parity Law

"Arms and Legs are Not a Luxury"  
for more information, visit:  
http://www.amputee-coalition.org/armsandlegsarenotaluxury/index.html


State Prosthetic Parity laws:

for the most current information on state parity laws, visit:
http://www.amputee-coalition.org/advocacy/your-state.html




Other information

 
http://www.oandp.com/articles/2009-03_09.asp 

Amputee Coalition of America prosthetic parity blog   http://acaparity.blogspot.com/ 

Kansas blog. http://parityquest.blogspot.com/