Health Insurers Limit Coverage of Prosthetic Limbs, Questioning Their Medical Necessity

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When Michael Adams was researching health insurance options in 2023, he had one very specific requirement: coverage for prosthetic limbs.

Adams, 51, lost his right leg to cancer 40 years ago, and he has worn out more legs than he can count. He picked a gold plan on the Colorado health insurance marketplace that covered prosthetics, including microprocessor-controlled knees like the one he has used for many years. That function adds stability and helps prevent falls.

But when his leg needed replacing last January after about five years of everyday use, his new marketplace health plan wouldn’t authorize it. The roughly $50,000 leg with the electronically controlled knee wasn’t medically necessary, the insurer said, even though Colorado law leaves that determination up to the patient’s doctor, and his has prescribed a version of that leg for many years, starting when he had employer-sponsored coverage.

“The electronic prosthetic knee is life-changing,” said Adams, who lives in Lafayette, Colorado, with his wife and two kids. Without it, “it would be like going back to having a wooden leg like I did when I was a kid.” The microprocessor in the knee responds to different surfaces and inclines, stiffening up if it detects movement that indicates its user is falling.

People who need surgery to replace a joint typically don’t encounter similar coverage roadblocks. In 2021, 1.5 million knee or hip joint replacements were performed in United States hospitals and hospital-owned ambulatory facilities, according to the federal Agency for Healthcare Research and Quality, or AHRQ. The median price for a total hip or knee replacement without complications at top orthopedic hospitals was just over $68,000 in 2020, according to one analysis, though health plans often negotiate lower rates.

To people in the amputee community, the coverage disparity amounts to discrimination.

“Insurance covers a knee replacement if it’s covered with skin, but if it’s covered with plastic, it’s not going to cover it,” said Jeffrey Cain, a family physician and former chair of the board of the Amputee Coalition, an advocacy group. Cain wears two prosthetic legs, having lost his after an airplane accident nearly 30 years ago.

AHIP, a trade group for health plans, said health plans generally provide coverage when the prosthetic is determined to be medically necessary, such as to replace a body part or function for walking and day-to-day activity. In practice, though, prosthetic coverage by private health plans varies tremendously, said Ashlie White, chief strategy and programs officer at the Amputee Coalition. Even though coverage for basic prostheses may be included in a plan, “often insurance companies will put caps on the devices and restrictions on the types of devices approved,” White said.

An estimated 2.3 million people are living with limb loss in the U.S., according to an analysis by Avalere, a health care consulting company. That number is expected to as much as double in coming years as people age and a growing number lose limbs to diabetes, trauma, and other medical problems.

Fewer than half of people with limb loss have been prescribed a prosthesis, according to a report by the AHRQ. Plans may deny coverage for prosthetic limbs by claiming they aren’t medically necessary or are experimental devices, even though microprocessor-controlled knees like Adams’ have been in use for decades.

Cain was instrumental in getting passed a 2000 Colorado law that requires insurers to cover prosthetic arms and legs at parity with Medicare, which requires coverage with a 20% coinsurance payment. Since that measure was enacted, about half of states have passed “insurance fairness” laws that require prosthetic coverage on par with other covered medical services in a plan or laws that require coverage of prostheses that enable people to do sports. But these laws apply only to plans regulated by the state. Over half of people with private coverage are in plans not governed by state law.

The Medicare program’s 80% coverage of prosthetic limbs mirrors its coverage for other services. Still, an October report by the Government Accountability Office found that only 30% of beneficiaries who lost a limb in 2016 received a prosthesis in the following three years.

Cost is a factor for many people.

“No matter your coverage, most people have to pay something on that device,” White said. As a result, “many people will be on a payment plan for their device,” she said. Some may take out loans.

The federal Consumer Financial Protection Bureau has proposed a rule that would prohibit lenders from repossessing medical devices such as wheelchairs and prosthetic limbs if people can’t repay their loans.

“It is a replacement limb,” said White, whose organization has heard of several cases in which lenders have repossessed wheelchairs or prostheses. Repossession is “literally a punishment to the individual.”

Adams ultimately owed a coinsurance payment of about $4,000 for his new leg, which reflected his portion of the insurer’s negotiated rate for the knee and foot portion of the leg but did not include the costly part that fits around his stump, which didn’t need replacing. The insurer approved the prosthetic leg on appeal, claiming it had made an administrative error, Adams said.

“We’re fortunate that we’re able to afford that 20%,” said Adams, who is a self-employed leadership consultant.

Leah Kaplan doesn’t have that financial flexibility. Born without a left hand, she did not have a prosthetic limb until a few years ago.

Growing up, “I didn’t want more reasons to be stared at,” said Kaplan, 32, of her decision not to use a prosthesis. A few years ago, the cycling enthusiast got a prosthetic hand specially designed for use with her bike. That device was covered under the health plan she has through her county government job in Spokane, Washington, helping developmentally disabled people transition from school to work.

But when she tried to get approval for a prosthetic hand to use for everyday activities, her health plan turned her down. The myoelectric hand she requested would respond to electrical impulses in her arm that would move the hand to perform certain actions. Without insurance coverage, the hand would cost her just over $46,000, which she said she can’t afford.

Working with her doctor, she has appealed the decision to her insurer and been denied three times. Kaplan said she’s still not sure exactly what the rationale is, except that the insurer has questioned the medical necessity of the prosthetic hand. The next step is to file an appeal with an independent review organization certified by the state insurance commissioner’s office.

A prosthetic hand is not a luxury device, Kaplan said. The prosthetic clinic has ordered the hand and made the customized socket that will fit around the end of her arm. But until insurance coverage is sorted out, she can’t use it.

At this point she feels defeated. “I’ve been waiting for this for so long,” Kaplan said.

KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about KFF.

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This article first appeared on KFF Health News and is republished here under a Creative Commons license.

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  • The Compass of Pleasure – by Dr. David Linden

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    There are a lot of books about addiction, so what sets this one apart?

    Mostly, it’s that this one maintains that addiction is neither good nor bad per se—just, some behaviors and circumstances are. Behaviors and circumstances caused, directly or indirectly, by addiction.

    But, Dr. Linden argues, not every addiction has to be so. Especially behavioral addictions; the rush of dopamine one gets from a good session at the gym or learning a new language, that’s not a bad thing, even if they can fundamentally be addictions too.

    Similarly, we wouldn’t be here as a species without some things that rely on some of the same biochemistry as addictions; orgasms and eating food, for example. Yet, those very same urges can also inconvenience us, and in the case of foods and other substances, can harm our health.

    In this book, the case is made for shifting our addictive tendencies to healthier addictions, and enough information is given to help us do so.

    Bottom line: if you’d like to understand what is going on when you get waylaid by some temptation, and how to be tempted to better things, this book can give the understanding to do just that.

    Click here to check out The Compass of Pleasure, and make yours work in your favor!

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  • 5 Minute Posture Improvement Routine!

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    McKay Lang walks us through it:

    Step by Step

    Breathing exercise:

    • Place your hands on your lower abdomen.
    • Take three deep breaths, focusing on body tension in the shoulders and neck… And release.

    Shoulder squeeze:

    • With your hands on your hips, inhale and squeeze your shoulders upwards.
    • Hold your breath for 3–4 seconds, then exhale.
    • Repeat two more times, holding the squeeze a little longer each time.

    Upper shoulder massage:

    • Massage your upper shoulder muscles to release tension stored there.

    Overhead arm stretch:

    • Raise your arms above your head, clasping each elbow with the opposite hand.
    • Inhale deeply, stretch upwards, then exhale and release.
    • Repeat, alternating elbows.

    Neck and head push:

    • Place your palms on the back of the head, and push your head into your hands (and vice versa, because of Newton’s Third Law of Motion).
    • Do the same sideways (one side and then the other), to engage the other neck muscles.

    Cool down:

    • Gently unclasp your hands, bring your head upright, and massage your muscles. And breathe.

    For variations and a visual demonstration of all, enjoy:

    Click Here If The Embedded Video Doesn’t Load Automatically!

    Want to learn more?

    You might also like to read:

    6 Ways To Look After Your Back

    Take care!

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  • Coffee & Your Gut

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    Coffee, in moderation, is generally considered a healthful drink—speaking for the drink itself, at least! Because the same cannot be said for added sugar, various sorts of creamers, or iced caramelatte mocha frappucino dessert-style drinks:

    The Bitter Truth About Coffee (or is it?)

    Caffeine, too, broadly has more pros than cons (again, in moderation):

    Caffeine: Cognitive Enhancer Or Brain-Wrecker?

    Some people will be concerned about coffee and the heart. Assuming you don’t have a caffeine sensitivity (or you do but you drink decaf), it is heart-neutral in moderation, though there are some ways of preparing it that are better than others:

    Make Your Coffee Heart-Healthier!

    So, what about coffee and the gut?

    The bacteria who enjoy a good coffee

    Amongst our trillions of tiny friends, allies, associates, and enemies-on-the-inside, which ones like coffee, and what kind of coffee do they prefer?

    A big (n=35,214) international multicohort analysis examined the associations between coffee consumption and very many different gut microbial species, and found:

    115 species were positively associated with coffee consumption, mostly of the kind considered “friendly”, including ones often included in probiotic supplements, such as various Bifidobacterium and Lactobacillus species.

    The kind that was most strongly associated with coffee consumption, however, was Lawsonibacter asaccharolyticus, a helpful little beast who converts chlorogenic acid (one of the main polyphenols in coffee) into caffeic acid, quinic acid, and various other metabolites that we can use.

    More specifically: moderate coffee-drinkers, defined as drinking 1–3 cups per day, enjoyed a 300–400% increase in L. asaccharolyticus, while high coffee-drinkers (no, not that kind of high), defined as drinking 4 or more cups of coffee per day, enjoyed a 400–800% increase, compared to “never/rarely” coffee-drinkers (defined as drinking 2 or fewer cups per month).

    Click here to see more data from the study, in a helpful infographic

    Things that did not affect the outcome:

    • The coffee-making method—it seems the bacteria are not fussy in this regard, as espresso or brewed, and even instant, yielded the same gut microbiome benefits
    • The caffeine content—as both caffeinated and decaffeinated yielded the same gut microbiome benefits

    You can read the paper itself in full for here:

    Coffee consumption is associated with intestinal Lawsonibacter asaccharolyticus abundance and prevalence across multiple cohorts

    Want to enjoy coffee, but not keen on the effects of caffeine or the taste of decaffeinated?

    Taking l-theanine alongside coffee flattens the curve of caffeine metabolism, and means one can get the benefits without unwanted jitteriness:

    The Magic Of L-Theanine

    Enjoy!

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  • The Metabolism Reset Diet – by Alan Christianson

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    The liver is an incredible organ that does a very important job, but what’s not generally talked about is how we can help it… Beyond the obvious “try to not poison it too much with alcohol, tobacco, etc”. But what can we do that’s actually positive for it?

    That’s what Alan Christianson offers in this book.

    Now, usually when someone speaks of a “four week cleanse” as this book advertises on its front cover, it’s a lot of bunk. The liver cleanses itself, and the liver and kidneys between them (along with some other organs and processes) detoxify your body for you. No amount of celery juice will do that. However, this book does better than that:

    What it’s about, is not really about trying to do a “detox” at all, so much as supporting your liver function by:

    • Giving your liver what it needs to regenerate (mostly: protein)
    • Not over-taxing your liver while it does so

    The liver is a self-regenerating organ (the mythological story of Prometheus aside, here in real life it can regenerate up to 80% of itself, given the opportunity), so whatever the current state of your liver, it’s probably not too late to fix it.

    Maybe you’ve been drinking a little too much, or maybe you’ve been taking some meds that have hobbled it a bit (some medications strain the liver rather), or maybe your diet hasn’t been great. Christianson invites you to draw a line under that, and move forwards:

    The book gives an overview of the science involved, and explains about the liver’s role in metabolism (hence the promised weight loss benefits) and our dietary habits’ impact on liver function. This is about what we eat, and also about when we eat it, and how and when our body metabolizes that.

    Christianson also provides meal ideas and recipes. If we’re honest (and we always are), the science/principles part of the book are worth a lot more than the meal-plan part of the book, though.

    In short: a great book for understanding how the liver works and how we can help it do its job effectively.

    Click here to check out “The Metabolism Reset Diet” on Amazon today!

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  • Feeling mad? New research suggests mindfulness could help manage anger and aggression

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    There’s no shortage of things to feel angry about these days. Whether it’s politics, social injustice, climate change or the cost-of-living crisis, the world can feel like a pressure cooker.

    Research suggests nearly one-quarter of the world’s population feels angry on any given day. While anger is a normal human emotion, if it’s intense and poorly managed, it can quickly lead to aggression, and potentially cause harm.

    Feeling angry often can also have negative effects on our relationships, as well as our mental and physical health.

    So how should you manage feelings of anger to keep them in check? Our new research suggests mindfulness can be an effective tool for regulating anger and reducing aggression.

    Kaboompics.com/Pexels

    What is mindfulness?

    Mindfulness is the ability to observe and focus on your thoughts, emotions and bodily sensations in the present moment with acceptance and without judgement.

    Mindfulness has been practised for thousands of years, most notably in Buddhist traditions. But more recently it has been adapted into secular programs to support mental health and emotional regulation.

    Mindfulness is taught in a variety of ways, including in-person classes, residential retreats and through digital apps. These programs typically involve guided meditations, and practices that help people become more aware of their thoughts, feelings and surroundings.

    Mindfulness is linked to a range of mental health benefits, including reduced anxiety, depression and stress.

    Neuroscience research also suggests mindfulness is associated with reduced activity in brain regions linked to emotional reactivity, and greater activity in those involved in self-regulation (the ability to manage our thoughts, emotions and behaviours).

    In this way, mindfulness could foster emotional awareness essential for the effective regulation of emotions such as anger. And when people are less overwhelmed by anger, they may be better able to think clearly, reflect on what matters and take meaningful action, rather than reacting impulsively or shutting down.

    A man sits on a bench with his head in his hands.
    Anger is a normal human emotion – but it can sometimes have destructive consequences. Inzmam Khan/Pexels

    We reviewed the evidence

    To better understand whether mindfulness actually helps with regulating anger and aggression, we conducted a meta-analysis. This is a study that combines the results of many previous studies to look at the overall evidence.

    We analysed findings from 118 studies across different populations and countries, including both people who were naturally more mindful and people who were randomly assigned to take part in interventions aimed at increasing mindfulness.

    People who were naturally more mindful were those who scored higher on questionnaires measuring traits such as present-moment awareness and non-judgmental thinking. We found these people tended to report less anger and behave less aggressively.

    However, mindfulness isn’t just something you have or don’t have – it’s also a skill you can develop. And our results show the benefits of lower anger and aggression extend to people who learn mindfulness skills through practice or training.

    We also wanted to know whether mindfulness might work better for certain people or in particular settings. Interestingly, our results suggest these benefits are broadly universal. Practising mindfulness was effective in reducing anger and aggression across different age groups, genders and contexts, including whether people were seeking treatment for mental health or general wellbeing, or not.

    Some anger management strategies aren’t backed by science

    To manage feelings of anger, many people turn to strategies that are not supported by evidence.

    Research suggests “letting off steam” while thinking about your anger is not a healthy strategy and may intensify and prolong experiences of anger.

    For example, in one experiment, research participants were asked to hit a punching bag while thinking of someone who made them angry. This so-called “cathartic release” made people angrier and more aggressive rather than less so.

    Breaking things in rage rooms, while increasingly popular, is similarly not an evidence-based strategy for reducing anger and aggression.

    On the other hand, our research shows there’s good evidence to support mindfulness as a tool to regulate anger.

    Mindfulness may reduce anger and aggression by helping people become more aware of their emotional reactions without immediately acting on them. It can foster a non-judgmental and accepting stance toward difficult emotions such as anger, which may interrupt the cycle whereby anger leads to aggressive behaviour.

    A group of people meditating outdoors.
    Mindfulness can help people become more aware of their emotions. New Africa/Shutterstock

    Mindfulness is not a magic bullet

    All that said, it’s important to keep in mind that mindfulness is not a magic bullet or a quick fix. Like any new skill, mindfulness can be challenging at first, takes time to master, and works best when practised regularly.

    It’s also important to note mindfulness may not be suitable for everyone – particularly when used as a standalone approach for managing more complex mental health concerns. For ongoing emotional challenges it’s always a good idea to seek support from a qualified mental health professional.

    However, if you’re looking to dial down the impact of daily frustrations, there are plenty of accessible ways to give mindfulness a go. You can get started with just a few minutes per day. Popular apps such as Smiling Mind and Headspace offer short, guided sessions that make it easy to explore mindfulness at your own pace — no prior experience needed.

    While mindfulness may not solve the problems that make us angry, our research shows it could help improve how we experience and respond to them.

    Siobhan O’Dean, Research Fellow, The Matilda Centre for Research in Mental Health and Substance Use, University of Sydney; Elizabeth Summerell, Lecturer, School of Psychology, Faculty of Health and Medical Sciences, University of Adelaide, and Tom Denson, Professor of Psychology, UNSW Sydney

    This article is republished from The Conversation under a Creative Commons license. Read the original article.

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  • I’m a medical forensic examiner. Here’s what people can expect from a health response after a sexual assault

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    An estimated one in five women and one in 16 men in Australia have experienced sexual violence.

    After such a traumatic experience, it’s understandable many are unsure if they want to report it to the police. In fact, less than 10% of Australian women who experience sexual assault ever make a police report.

    In Australia there is no time limit on reporting sexual assault to police. However, there are tight time frames for collecting forensic evidence, which can sometimes be an important part of the police investigation, whether it’s commenced at the time or later.

    This means the decision of whether or not to undergo a medical forensic examination needs to be made quite quickly after an assault.

    I work as a medical forensic examiner. Here’s what you can expect if you present for a medical forensic examination after a sexual assault.

    fizkes/Shutterstock

    A team of specialists

    There are about 100 sexual assault services throughout Australia providing 24-hour care. As with other areas of health care, there are extra challenges in regional and rural areas, where there are often further distances to travel and staff shortages.

    Sexual assault services in Australia are free regardless of Medicare status. To find your nearest service you can call 1800 RESPECT (1800 737 732) or Full Stop Australia (1800 385 578) who can also provide immediate telephone counselling support.

    It’s important to call the local sexual assault service before turning up. They can provide the victim-survivor with information and advice to prevent delays and make the process as helpful as possible.

    The consultation usually occurs in a hospital emergency department which has a designated forensic suite, or in a specialised forensic service.

    The victim-survivor is seen by a doctor or nurse trained in medical and forensic care. There’s a sexual assault counsellor, crisis worker or social worker present to support the patient and offer counselling advice. This is called an “integrated response” with medical and psychosocial staff working together.

    In most cases the victim-survivor can have their own support person present too.

    Depending on what the victim-survivor wants, the doctor or nurse will take a history of the assault to guide any medical care which may be needed (such as emergency contraception) and to guide the examination.

    Sexual assault services are always very aware of giving victim-survivors a choice about having a medical forensic examination. If a person presents to a sexual assault service, they can receive counselling and medical care without undergoing a forensic examination if they do not wish to. https://www.youtube.com/embed/CGlbTgia0Ek?wmode=transparent&start=0 Sexual assault services are inclusive of all genders.

    Collecting forensic samples

    Samples collected during a medical forensic examination can sometimes identify the perpetrator’s DNA or intoxicating substances (alcohol or drugs that might be relevant to the investigation). The window of opportunity to collect these samples can be as short as 12 hours, or up to 5–7 days, depending on the nature of the sexual assault.

    In most of Australia, an adult who has experienced a recent sexual assault can be offered a medical forensic examination without making a report to police.

    Depending on the state or territory, the forensic samples can usually be stored for 3 to 12 months (up to 100 years in Tasmania). This allows the victim-survivor time to decide if they want to release them to police for processing.

    The doctor or nurse will collect the samples using a sexual assault investigation kit, or a “rape kit”.

    Collecting these samples might involve taking swabs to try to detect DNA from external and internal genital areas and anywhere there may have been DNA transfer. This can be from skin cells, where the perpetrator touched the victim-survivor, or from bodily fluids including semen or saliva.

    The doctor or nurse carrying out the examination do their best to minimise re-traumatisation, by providing the victim-survivor information, choices and control at every step of the process.

    A nurse talking to two women.
    The victim-survivor can usually have a support person with them. Monkey Business Images/Shutterstock

    How about STIs and pregnancy?

    During the consultation, the doctor or nurse will address any concerns about sexually transmitted infections (STIs) and pregnancy, if applicable.

    In most cases the risk of STIs is small. But follow-up testing at 1–2 weeks for infections such as chlamydia and gonorrhoea, and at 6–12 weeks for infections such as syphilis and HIV, is usually recommended.

    Emergency contraception (sometimes called the “morning after pill”) can be provided to prevent pregnancy. It can be taken up to five days after sexual assault (but the sooner the better) with follow-up pregnancy testing recommended at 2–3 weeks.

    Things have improved over time

    When I was a junior doctor in the late 90s, taking forensic swabs was usually the responsibility of the busy obstetrics and gynaecology trainee in the emergency department, who was often managing multiple patients and had little training in forensics. There was also usually no supportive counsellor.

    Anecdotally, both the doctor and the patient were traumatised by this experience. Research shows that when specialised, integrated services are not provided, victim-survivors’ feelings of powerlessness are magnified.

    But the way we carry out medical forensic examinations after sexual assault in Australia has improved over the years.

    With patient-centred practices, and designated forensic and counselling staff, the experience for the patient is thought to be empowering rather than re-traumatising.

    Our research

    In new research published in the Australian Journal of General Practice, my colleagues and I explored the experience of the medical forensic examination from the victim-survivor’s perspective.

    We surveyed 291 patients presenting to a sexual assault service in New South Wales (where I work) over four years.

    Some 75% of patients reported the examination was reassuring and another 20% reported it was OK. Only 2% reported that it was traumatising. The majority (98%) said they would recommend a friend present to a sexual assault service if they were in a similar situation.

    While patients spoke positively about the care they received, many commented that the sexual assault service was not visible enough. They didn’t know how to find it or even that it existed.

    We know many victim-survivors don’t present to a sexual assault service or undergo a medical forensic examination after a sexual assault. So we need to do more to increase the visibility of these services.

    The National Sexual Assault, Family and Domestic Violence Counselling Line – 1800 RESPECT (1800 737 732) – is available 24 hours a day, seven days a week for any Australian who has experienced, or is at risk of, family and domestic violence and/or sexual assault.

    Mary Louise Stewart, Senior Career Medical Officer, Northern Sydney Local Health District; PhD Candidate, University of Sydney

    This article is republished from The Conversation under a Creative Commons license. Read the original article.

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