"I think that everyone assumes that if they are going to have a leg amputated or an arm amputated that it would be automatically covered by their insurance for them to get a replacement prosthesis, and I think they are absolutely astounded to find in a significant number of cases -- getting more every day -- that this is not, in fact, true," Rosbach said.
Rosbach said that because people don't expect to need a prosthetic limb, they don't notice the fine print on their polices limiting their coverage
"I think that you have to look at the very, very small print, and I don't think the majority of people, when they look at their policies, actually look at it word for word," Rosbach said.
Pisano of America's Health Insurance Plans said, "There are instances where employers are not purchasing the benefit to the degree that they might like."
Insurance lobbyists also argue that paying for claims like Bailey's will raise rates for everyone. At $100,000 a pair, the C-Legs are expensive.
The Amputee Coalition of America claims that insurance companies not only balk at paying for the more expensive C-Legs but also for basic prosthetic legs, which can cost as little as $12,000.
Meanwhile, Anthem Blue Cross Blue Shield refused do an on-camera interview but issued a statement saying its "medical policies are intended to reflect the current scientific data and critical thinking."
The Virginia Bureau of Insurance, which regulates insurers in Bailey's home state, reviewed her case after receiving a call from "Good Morning America." Within a few weeks, the state overruled Anthem and ordered them to pay for her new legs.
Bailey is now spending her time learning how to use her C-legs. She's confident that she will soon be keeping up with her boys again.