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3 -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...