02/12/2026
Yesterday’s Florida Senate Committee on Banking and Insurance hearing addressed insurance coverage for orthotic and prosthetic services, with a strong focus on activity prosthetics for children. Senate Bill 1110 would expand Medicaid coverage for specified orthotics and prosthetics, require insurance plans to cover medically necessary devices without lifetime caps, and prevent denials when these devices are needed to restore or maintain physical function.
During public testimony, young prosthetic users and their families explained that activity prosthetics , including running and sport-specific limbs. Are often labeled recreational and excluded from coverage, despite their essential role in a child’s development. Student speakers shared how access to these devices allows them to move from the sidelines into full participation in sports and school life, improving confidence, mental well-being, social connection, and academic engagement.
Families also described the financial strain many experience. Even when everyday walking prosthetics are covered, growing children frequently require replacements, leading to thousands of dollars in annual co-insurance costs. Specialized activity prosthetics can cost tens of thousands of dollars and are typically paid out of pocket. While some families receive help from private foundations, testimony highlighted that charitable funding is limited and cannot support every child in need.
Ansel and his mother, Melissa, were among the families who shared their story. Melissa explained that children like Ansel often need new prosthetic legs every six to twelve months as they grow, creating significant yearly expenses even with insurance. She noted that Ansel’s gymnastics prosthetics are estimated to cost around $45,000 and are generally not covered, placing them out of reach for many families. Her message emphasized that activity prosthetics support balance, strength, independence, and confidence, and she urged lawmakers to close the coverage gap so more children can thrive.
The hearing reinforced a broader message from families and advocates: access to prosthetic technology creates opportunity. Recognizing activity prosthetics as medically necessary tools helps reduce inequities and ensures that children with limb differences can fully participate in everyday life.
The portion of the hearing discussing this issue begins at 16:50.
You can watch the full hearing here:
https://thefloridachannel.org/videos/2-11-26-senate-committee-on-banking-and-insurance/
