"Health Insurance Claim Plain Language and Simplification Act."

This bill (S 963) requires New Jersey health insurance carriers to provide policyholders with simplified "explanation of benefits" (EOB) forms for every claim. The first page of each form must clearly list the insured's name, provider, service date, claim amount, payments made by the insurer and the patient, and plain-language explanations for payment decisions or denials. It mandates all information be in 12-point font using simple, understandable language - avoiding jargon - consistent with New Jersey's existing insurance policy simplification law. The bill directly affects health insurers (who must implement the changes) and policyholders (who receive clearer, more transparent billing information). If passed, it would take effect 90 days after enactment.