Insurance; require health insurance policies to include coverage for medically necessary orthotic and prosthetic devices.

Mississippi's HB 896 requires most health insurance policies (including those for state and school employees) to cover medically necessary custom-made orthotic and prosthetic devices starting July 1, 2026. The bill defines "medically necessary" using nationally recognized clinical guidelines and mandates coverage for all device materials, fittings, training, repairs, and up to three devices per affected limb every three years. It specifically covers devices aiding daily activities, work, hygiene, and physical health, while excluding over-the-counter items like canes or elastic supports. The law also requires the Insurance Commissioner to report on implementation to state legislators.