"Breann's Law" requires health insurers, SHBP and NJ FamilyCare to provide "out of network" coverage for children with catastrophic illnesses.

S 1922, "Breann's Law," requires health insurers, the State Health Benefits Program (SHBP), and NJ FamilyCare to cover out-of-network medical services for children diagnosed with catastrophic illnesses. It applies when services are provided by an out-of-network provider following a referral from an in-network provider, and the coverage must match what’s provided for in-network care under the same plan. The law defines "catastrophic illness" as life-threatening or causing serious disability, and it affects dependent children covered under specific health insurance contracts. This policy change ensures consistent coverage for critical care without requiring families to switch networks during emergencies.