TRENTON, N.J. – New Jersey health insurers will soon be required to cover advanced prosthetic devices for physical and recreational activity under a bill signed into law Tuesday by Gov. Phil Murphy.
The new law (S1439/A3856), sponsored by Assemblyman Antwan McClellan (R-Cape May), mandates that health benefit plans include coverage for prosthetics prescribed by a physician and provided by licensed orthotists, prosthetists or pedorthists. Current state law does not require such coverage beyond basic prosthetic needs.
“Additional prosthetic devices for physical activity promote mental and physical well-being and enhance quality of life,” McClellan said in a statement. “Studies show physical activity reduces risks of depression and chronic diseases, which are issues that can disproportionately affect amputees without access to such tools.”
The law aims to address cost barriers for amputees. While basic upper or lower limb prosthetics can cost up to $10,000, advanced models—such as myoelectric arms or microprocessor-controlled knees—can reach or exceed $100,000. These figures do not include fittings or maintenance, and devices typically need to be replaced every five years or less.
Under the new requirement, insurers must also cover specialized prosthetics, such as running blades, which cost between $10,000 and $30,000.
Health providers will be reimbursed based on the Medicare reimbursement schedule, aligning payments with federal standards.
“It’s not about running marathons, although if that’s their goal, I say go for it!” McClellan added. “It’s about giving amputees the opportunity to live a full life without financial ruin.”
