Lowers age at which certain insurers are required to provide coverage for mammograms.

This bill (S 1972) lowers the required age for routine mammogram coverage from 40 to 35 for most women under New Jersey insurance plans. It requires all group and individual health insurance contracts (including hospital service, medical service, and health service corporation plans) to cover one baseline mammogram at age 35, followed by annual mammograms for women aged 35 and older. Women under 35 with family history or other breast cancer risk factors continue to receive coverage as deemed medically necessary by their provider. The law also maintains existing coverage for additional tests like ultrasounds or MRIs when medically indicated due to dense breast tissue or other risk factors. This change directly affects insurers and policyholders by expanding access to preventive breast cancer screening earlier.