Requires health insurers to provide coverage for hearing aids.

New Jersey bill A2438 requires health insurers to cover hearing aids for policyholders. It mandates that all health insurance plans (including hospital, medical, and group plans) cover one analog or digital hearing aid per ear every 48 months, as prescribed by a licensed audiologist or hearing aid dispenser. The bill limits patient cost-sharing to no more than 15% of the hearing aid's cost, including copays or deductibles. This applies to new or renewed policies after the bill's effective date, directly affecting individuals with hearing loss who rely on insurance for this medical device.