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Primary Sponsor

Last Action

Ref To Com On Rules and Operations of the Senate2025-05-07

Vote Breakdown

Plain Language Summary

Reagan's Law requires health insurance plans in North Carolina to cover prosthetic and orthotic devices (artificial limbs and braces) based on Medicare's coverage standards. The law ensures coverage includes all necessary materials, instruction, repairs, and replacement devices, including multiple devices for different activities, with no limits based on device lifespan or continuous use.

Arguments in Favor

• •Supporters argue this law removes insurance barriers that prevent people with limb loss from accessing devices they need for daily activities, work, and sports.
• •They contend that people with disabilities should have equal access to medical devices that help them function, and that current insurance restrictions force families to choose between devices for basic mobility versus athletic or work activities.

Arguments Against

• •Opponents may argue the law could increase insurance premiums for all policyholders by expanding coverage requirements without cost limits.
• •They may also express concerns about insurers having less flexibility to manage costs, potentially affecting the sustainability of plans or creating administrative burdens in determining medical necessity for additional devices.