Requires health benefits plan and carriers to meet certain requirements concerning network adequacy and mental health care.

New Jersey's S 2406 requires health insurance carriers (including Medicaid, school employee plans, and private insurers) to ensure all covered individuals have access to mental health care. Specifically, plans must provide sufficient mental health providers so 100% of enrollees can access in-person care within 15 miles of home and 30 days of request, or telehealth/telemedicine care within 30 days if in-person isn't available. The bill mandates that telehealth mental health services be covered at the same cost-sharing rate as in-person visits (no higher copays/deductibles) and that out-of-network telehealth services be reimbursed at least at Medicaid rates. This applies to all health benefits plans issued in New Jersey, aiming to improve access to mental health care through network adequacy standards.