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POV: Insurance says you have to retrieve your prosthetic from a hurricane to qualify for coverage. I’m calling on behalf of a patient who lost their prosthetic during a federally declared disaster. Their home was destroyed. They were evacuated. The prosthetic was swept away in floodwaters. Insurance response? 👉 “Disaster exception doesn’t apply because the prosthetic wasn’t physically recovered.” 👉 $9,800 copay to replace it. Let’s be clear: A prosthetic is essential medical equipment, not an