Requires health insurers to provide coverage for biomarker precision medical testing.*

Bill A4163 requires health insurers in New Jersey to cover biomarker testing for diagnosis, treatment, management, or ongoing monitoring of diseases when supported by medical evidence such as FDA approvals, drug labels, or clinical guidelines. The bill applies to all health insurance plans including individual, group, Medicaid, and health maintenance organization contracts. Insurers must provide coverage without causing unnecessary disruption (like multiple biopsies) and must make prior authorization decisions within 24 hours for urgent requests or 72 hours for non-urgent requests. This ensures patients can access precision medical testing that's clinically supported without excessive administrative barriers.