Requires oral agreements concerning health insurance be delivered in writing within 30 days of contract formation.

This bill requires health insurance companies in New Jersey to provide policyholders with a written copy of any verbal agreement about coverage within 30 days of the agreement. It applies to all health insurance carriers (including HMOs and dental plans) and covers initial coverage, changes to coverage, or claim reimbursements discussed orally. The written copy must comply with existing insurance simplification rules, and policyholders gain the right to request recordings or transcripts of the verbal agreement. Policyholders also have 30 days after receiving the written copy to report any discrepancies between it and the original oral discussion.