Requires health insurance coverage of diagnostic and supplemental breast examinations without cost-sharing.

New Jersey bill A3128 requires all health insurance plans sold in the state to cover diagnostic and supplemental breast examinations with no out-of-pocket costs to patients. It applies to group and individual health insurance contracts, mandating that insurers pay for these exams without deductibles, copays, or coinsurance. Diagnostic exams evaluate abnormalities found during screenings or detected another way, while supplemental exams screen high-risk patients (e.g., those with dense breasts or family history) when no abnormality is present. The law aligns with National Comprehensive Cancer Network Guidelines and applies to all plans except those specifically structured as medical savings accounts under federal law. This directly affects all New Jersey residents with health insurance who may need these breast exams.