Clarifies coverage requirements for health insurers of over-the-counter contraceptive drugs.

This New Jersey bill (S 2998) requires health insurers to cover all FDA-approved contraceptive drugs, devices, and related services without cost-sharing. It specifically mandates no deductibles, copays, or prior authorization for over-the-counter contraceptives at the point of sale, while also covering prescription options and related services like counseling and device insertion. The law applies to all hospital and medical service corporations offering health insurance in New Jersey, directly affecting subscribers who use contraception. Insurers must cover these services at the same level as other preventive care, with no medical necessity review needed for over-the-counter products.