Requires health insurance carriers to provide coverage for persons 18 or younger with diagnosed complex medical needs.

This bill requires New Jersey health insurance companies and plans to cover medical services, equipment, and prescriptions for children and teens under 18 with diagnosed complex medical needs, as determined necessary by a licensed doctor. Key provisions include: insurers must approve covered benefits within three days of a doctor's written request and cannot require pre-approvals or precertification for services already covered under the plan. It defines "complex medical needs" as conditions that are life-threatening, persistently disabling, require specialized care, or involve high-risk procedures. The law applies to all health plans issued in New Jersey on or after its effective date.