Authorizes home care for individuals who are disabled or elderly and requires health insurance coverage therefor.

This bill requires health insurance plans in New Jersey to cover home medical care for disabled or elderly individuals (defined as those 65+ or with total permanent disability). It defines home care as preventative, primary, specialty, or urgent medical care provided in a person's home when they can't visit a health facility, excluding custodial care. Insurance companies, health maintenance organizations, and other health benefit plans must provide coverage for these services to the same extent as other medical treatments. The coverage applies to all types of health insurance contracts and requires documentation by health care professionals in medical records. This policy ensures people who need home-based medical care due to disability or age have insurance coverage for those services.