Clarifies coverage requirements for health insurers of over-the-counter contraceptive drugs.

This bill requires health insurers in New Jersey to cover over-the-counter contraceptive drugs without cost-sharing, prescription requirements, or medical management restrictions. It clarifies that insurers must provide coverage for either requested prescription contraceptives or their therapeutic equivalents, with medical necessity for over-the-counter contraceptives deemed automatically present. The law applies to all health insurance plans sold in New Jersey, including hospital service corporations, medical service corporations, health maintenance organizations, and Medicaid programs. It ensures that individuals can access contraceptive drugs at point-of-sale without deductibles, copays, or provider orders, and extends coverage to pharmacy-furnished self-administered hormonal contraceptives. The bill updates existing coverage requirements to explicitly include over-the-counter contraceptive drugs as a standard benefit.