Allows physicians to jointly negotiate with carriers over contractual terms and conditions.

This New Jersey bill (S 952) allows two or more independent physicians to jointly negotiate with health insurance carriers over non-fee-related contract terms affecting patient care. It directly affects physicians and insurers by enabling physician groups to collectively address issues like medical necessity definitions, referral standards, utilization review processes, and reimbursement methods. Key provisions establish a "joint negotiation representative" to discuss these terms, aiming to balance power dynamics where insurers currently dictate contracts unilaterally. The bill seeks to improve care quality, access, and healthcare infrastructure by reducing unfair payment terms and administrative barriers. It applies to all health insurance carriers offering plans in New Jersey.