Requires health benefits coverage for treatment of lipedema.

This bill requires New Jersey health insurance plans (both hospital and medical service corporations) to cover specific lipedema treatments, directly affecting patients diagnosed with this chronic condition and their insurers. It mandates coverage for compression garments, manual lymphatic drainage, medical nutrition therapy, mental health care, and medically necessary lipectomies (including pre- and post-surgery appointments). Insurers must accept physician diagnoses and surgeon documentation (including photos for diagnosis support) but cannot deny coverage based solely on photos, and must cover the full number of lipectomies deemed necessary by the surgeon. The bill also requires prior authorization for lipectomies to remain valid for one year without arbitrary revocation, aligning with existing prior authorization rules.