Health benefit plan; providing goal of treatments; requiring certain coverage; requiring reimbursement; directing Insurance Commissioner to investigate complaints. Effective date.

SB 1673, the "Prosthetic Access and Accountability Act of 2026," requires health benefit plans in Oklahoma to cover physician-prescribed prosthetic and orthotic devices (like artificial limbs or braces) needed to restore physical function. It prohibits denials based on disability, cost, or device classification, mandates health plans to review urgent requests within 2 business days (and standard requests within 10), and automatically approves requests if deadlines are missed. Health plans must reimburse out-of-network providers for covered devices if in-network options are unavailable due to location, and they face liability for harm caused by denied or delayed coverage - including medical costs, lost wages, and punitive damages in cases of bad faith. The Oklahoma Insurance Commissioner will enforce these rules, investigate complaints, and publish annual reports on coverage denials and patient outcomes.