Requires health insurance and Medicaid coverage for the treatment of stuttering.

This bill requires all health insurance plans and Medicaid in New Jersey to cover treatment for stuttering, including habilitative and rehabilitative speech therapy as determined medically necessary by a patient's doctor. The coverage must be provided without prior authorization, utilization management requirements, or any cost-sharing such as deductibles, copays, or coinsurance. It applies to all insurance types including individual and group health plans, health maintenance organizations, and Medicaid, and covers both in-person and telehealth services. The bill defines habilitative speech therapy as therapy that helps a person keep, learn, or improve daily living skills, and rehabilitative speech therapy as therapy that helps restore or improve skills that have been lost or impaired. This legislation would directly affect individuals with stuttering who rely on insurance or Medicaid for speech therapy services.