Requires health insurance carriers to provide coverage for persons 18 or younger with diagnosed complex medical needs.

This bill requires all health insurance carriers in New Jersey (including HMOs, health service corporations, and state program administrators) to cover medically necessary care for children and teens under 18 with "complex medical needs," as defined by the bill. Key provisions mandate that insurers must approve such coverage within three days of a doctor's written request and cannot require pre-approvals or precertification for covered services. "Complex medical needs" refers to serious conditions that are life-threatening, persistently disabling, emergent, or require specialized care to prevent serious harm. The law applies immediately to new health plans and directly affects families of young people with qualifying high-risk medical conditions.