Requires health insurance carriers to provide coverage for persons 18 or younger with diagnosed complex medical needs.

This bill (S 1505) requires New Jersey health insurance carriers to cover medical services, equipment, and prescriptions for people under 18 with diagnosed complex medical needs, as determined medically necessary by a licensed provider. It mandates that carriers approve such coverage within three days of receiving a provider’s letter, eliminating pre-approval requirements for covered services. "Complex medical needs" includes conditions that are emergent, life-threatening, substantially disabling, or require specialized care across multiple medical domains. The law applies to all health insurance plans in New Jersey, including state-administered programs like the State Health Benefits Program.