Requires health insurance coverage of at-home rehabilitation services.

This bill requires all health insurance plans sold in New Jersey to cover at-home rehabilitation services on the same terms as other medical treatments. It directly affects every health insurance policy, group plan, health maintenance organization (HMO), and health benefits plan issued in the state, including those covering individual or small employer plans. The law defines "at-home rehabilitation" as treatment for physical, functional, or mental impairments (from injury or disease) using medical equipment or tools within a person's home. Insurers must provide these benefits without additional cost-sharing or restrictions compared to other covered conditions, starting from the bill's effective date.