"Health Insurance Claim Plain Language and Simplification Act."

This New Jersey bill requires health insurance companies to provide clear, written "explanation of benefits" forms to policyholders whenever a claim is processed. The form must display key details on the first page in 12-point plain language: the insured's name, provider, service date, claim amount, payments made by insurer and patient, reasons for claim decisions (payment or denial), and required next steps. It mandates that only this simplified information appear on the first page, avoiding complex jargon. The law applies to all health insurance carriers in New Jersey and takes effect 90 days after enactment. The bill is currently pending before the Assembly Financial Institutions and Insurance Committee.