"Health Insurance Claim Plain Language and Simplification Act."

This bill requires New Jersey health insurance companies to provide clear, standardized "explanation of benefits" forms to patients whenever a medical claim is processed. The forms must list key details like the patient's name, provider, service date, claim amount, and payment breakdown on the first page in 12-point plain language - no jargon. If a claim is paid or denied, the form must explain the reason simply and include instructions for next steps. It directly affects all health insurance carriers and their policyholders in New Jersey, aiming to make billing transparency easier to understand. The bill aligns with existing state laws requiring simplified insurance language.