Requires health insurers to provide coverage for biomarker precision medical testing.*

S 3098 requires health insurers in New Jersey to cover biomarker testing for diagnosis, treatment, management, or ongoing monitoring of medical conditions when supported by medical evidence. The bill defines biomarker testing as analysis of tissue, blood, or other biospecimens for biomarkers, and specifies coverage must be provided when tests align with FDA approvals, drug indications, CMS determinations, or nationally-recognized clinical guidelines. Insurers must process prior authorization requests within 72 hours for non-urgent cases and 24 hours for urgent cases, while minimizing disruptions like multiple biopsies. This requirement applies to all health insurance plans, including Medicaid, which must provide coverage with no cost-sharing for beneficiaries.