Requires health insurers to provide coverage for treatment of tick-borne diseases.

This bill requires health insurers in New Jersey to cover medically necessary treatments for tick-borne diseases, including long-term antibiotic therapy (beyond four weeks) and ongoing testing. It directly affects insurers (hospital, medical, health service corporations, and individual policies) and policyholders diagnosed with conditions like Lyme disease (caused by *borrelia burgdorferi*), chronic infections, or other CDC-recognized tick-borne illnesses. Insurers cannot deny coverage solely because treatment is experimental or uses unapproved drugs, provided the treatment is recognized by medical guidelines or peer-reviewed research. The law applies to all relevant insurance contracts issued or renewed in New Jersey after its effective date.