Requires collection of data by health insurers regarding health insurance claims and decisions made using automated utilization management systems.

This bill requires New Jersey health insurers to collect and publicly report specific data about claims processed through automated systems. Insurers must track denied claims (including appeal outcomes), denial patterns by medical specialty, and prior authorization decisions, then submit this data annually to the Department of Banking and Insurance. If an insurer unjustifiably denies 20% or more of claims, it must refund the denied service costs to affected patients. Additionally, insurers must disclose denial rates and automated system usage on their websites, include consumer assistance instructions on denial notices, and ensure all claims are reviewed by a medical director.