"Breann's Law" requires health insurers, SHBP and NJ FamilyCare to provide "out-of-network" coverage for children with catastrophic illnesses.

S 1554, "Breann's Law," requires health insurers, the State Health Benefits Program (SHBP), and NJ FamilyCare to cover out-of-network medical services for children diagnosed with catastrophic illnesses. It applies when an in-network provider refers the child for care, and coverage must match what's provided for in-network services under the same plan. The bill defines "catastrophic illness" as life-threatening or causing serious disability, and covers dependent children under specific insurance contracts. This policy change directly affects families with children facing severe medical conditions and the insurers managing their health coverage.