Requires health insurers to provide coverage for treatment of tick-borne diseases.

New Jersey's S 400 requires health insurers to cover medically necessary treatment for tick-borne diseases, including long-term antibiotic therapy (over four weeks) and ongoing testing. This applies to all hospital, medical, health service, and individual health insurance plans issued or renewed in the state after the law takes effect. Insurers cannot deny coverage solely because a treatment is experimental, investigational, or uses an unapproved drug, as long as it's supported by medical guidelines or peer-reviewed research. The law specifically covers Lyme disease (including chronic cases) and other CDC-recognized tick-borne illnesses like those caused by bacteria, viruses, or parasites transmitted through tick bites.