S 968 requires New Jersey insurers selling commercial general liability insurance to clearly notify businesses - before purchase or renewal - whether their policy excludes coverage for communicable disease outbreaks like COVID-19. If exclusions exist, insurers must state either the cost to remove them or where businesses can obtain coverage from another insurer. If insurers fail to provide this notice, the exclusion becomes invalid, and coverage automatically includes communicable disease transmission. This directly affects commercial insurers and businesses relying on this insurance for liability protection.
This New Jersey bill (S 2405) requires most health insurance plans sold in the state to cover hearing aids. Insurers must provide one hearing aid per ear every 48 months for medically necessary devices prescribed by licensed audiologists or hearing aid dispensers, with patients paying no more than 15% of the cost. The mandate applies to hospital service corporations, medical service corporations, health maintenance organizations, and individual/group health insurance policies. It directly affects all health insurers operating in New Jersey and policyholders needing hearing aids.
S 1607 (New Jersey) prohibits health insurance carriers (including companies, HMOs, and health service corporations) from restricting coverage based on the duration of anesthesia services before, during, or after medical or surgical procedures. The bill defines "anesthesia services" using standard medical coding (AMA’s Current Procedural Terminology codes) and requires insurers to cover these services without time-based limits. It applies to policies delivered, issued, or renewed 90 days after enactment. This directly affects insurers operating in New Jersey and ensures continuous coverage for anesthesia during all phases of care.
S 2581 establishes a tax credit program in New Jersey to incentivize employers to hire and retain individuals in recovery from substance use disorder. Employers must become "certified" by partnering with treatment providers, offering qualifying health insurance, and meeting other criteria to qualify for the program. Certified employers can claim a tax credit of $1 per hour worked by eligible employees, up to $2,000 per employee annually, for part-time or full-time employment. The program, administered by the Division of Mental Health and Addiction Services, allocates up to $2 million yearly and requires employers to verify employee eligibility and recovery status. This bill directly affects New Jersey employers seeking tax incentives and individuals with substance use disorder seeking stable employment.
This bill (S 1102) requires all health insurance plans in New Jersey - covering hospital services, medical expenses, individual policies, group plans, and health maintenance organizations - to cover the cost of continuous glucose monitoring systems when prescribed by a healthcare provider for treating glycogen storage disease. It applies to all new or renewed insurance contracts on or after the bill's effective date, mandating coverage "to the same extent as for any other medical condition." The law directly affects patients with glycogen storage disease who rely on these monitoring systems and insurers who must now include this coverage without additional cost-sharing. It does not change existing coverage standards for other conditions but ensures consistent access to this specific treatment tool.
S 2943 requires New Jersey's Department of Banking and Insurance (DOBI) to create an integrated enrollment platform connecting the state's health insurance exchange with the NJ FamilyCare program (which includes Medicaid and CHIP). This directly affects New Jersey residents applying for health coverage through the Individual Health Coverage Program, Small Employer Health Benefits Program, or NJ FamilyCare. The bill mandates DOBI, in coordination with the Department of Human Services, to integrate the exchange with Medicaid eligibility systems so applicants can determine eligibility for all programs through one platform. It also establishes a nine-member advisory committee with health insurance expertise to guide implementation, including consumer advocates and industry representatives.
This bill (S 3048) would limit health insurance plan costs for patients receiving follow-up care after surgery or illness. It requires insurers to allow patients to pay only **one co-payment or deductible** for all covered follow-up visits with participating providers within any 180-day period, regardless of how many visits occur. The rule applies only if patients follow their plan’s preauthorization rules for in-network care. It directly affects patients with managed care health insurance plans in New Jersey who need ongoing post-surgical or illness treatment. The bill is currently pending in the Senate Commerce Committee and would take effect for new/renewed insurance contracts after enactment.
This New Jersey bill (S 2716) requires health insurers, State Health Benefits Program (SHBP), and State Employees Health Benefits Program (SEHBP) plans to cover mammograms for all women aged 35 and older annually, and for women under 35 with specific risk factors like family history of breast cancer or dense breast tissue. It mandates coverage for baseline mammograms at age 35, annual screenings for those 35+, and additional tests (like ultrasounds or MRIs) when medically necessary due to abnormal results or risk factors. The law applies to all group and individual health insurance policies in New Jersey, ensuring coverage for these services without additional cost-sharing for patients. Insurers may review the medical necessity of additional tests but must cover them if deemed appropriate by a healthcare provider.
S 3020 requires New Jersey health insurance plans to cover all childhood immunizations recommended by the state Department of Health (DOH) without patients paying copays or deductibles. The DOH bases these recommendations on the federal Advisory Committee on Immunization Practices (ACIP), and the bill updates state law to align insurance coverage with these guidelines. Insurers must provide this coverage as part of preventive care and notify policyholders in writing of any changes to immunization coverage. This applies to all health insurance plans offering medical benefits in New Jersey, directly affecting insurers and policyholders.
This bill (S 756) mandates that health insurance plans in New Jersey (including hospital, medical, and health service corporation contracts) cover specific preventive services without requiring copayments or deductibles. It covers services rated "A" or "B" by the U.S. Preventive Services Task Force, CDC-recommended immunizations, pediatric preventive care per federal guidelines, and women’s preventive services. Plans must provide these services at least once annually within the calendar year (January 1-December 31), with coverage for out-of-network care if no in-network provider is available. The bill was withdrawn on January 13, 2026, as it had already been enacted as P.L.2025, c.386.
