Requires DOBI to monitor, evaluate, and submit annual report concerning mental health parity.

S 3109 requires New Jersey health insurance carriers to submit annual reports to the Department of Banking and Insurance (DOBI) by March 1st. These reports must detail how carriers apply medical necessity criteria and non-quantitative treatment limitations (NQTLs) to mental health and substance use disorder benefits, comparing them to medical/surgical benefits to ensure parity. Key provisions include analyzing whether processes for mental health coverage are applied no more stringently than for other medical services, covering NQTLs like step therapy, network design, and formulary rules. The bill directly affects all health insurers operating in New Jersey, mandating transparency to verify compliance with federal mental health parity laws. This is a procedural requirement focused on monitoring, not altering coverage.