"Breann's Law" requires health insurers, the State Health Benefits Program and NJ FamilyCare to provide "out of network" coverage for children with catastrophic illnesses.
Impact
If enacted, A2451 will amend current statutes governing health benefits in New Jersey, particularly affecting any contracts for healthcare services that are delivered or renewed post-enactment. The legislation sets a standard requiring that benefits for out-of-network services be comparable to those for in-network services, promoting more equal access to healthcare options for children facing life-threatening conditions. This move is seen as a critical step toward ensuring that families can secure the best possible care for their children, regardless of network limitations.
Summary
Assembly Bill A2451, known as 'Breann's Law,' aims to change healthcare coverage for children diagnosed with catastrophic illnesses. The bill mandates that health insurers, including those under the State Health Benefits Program and NJ FamilyCare, provide coverage for services rendered by out-of-network providers. This coverage requirement is predicated on receiving a referral from an in-network provider, ensuring that children can access necessary treatments that may not be available within their insurance network. The bill specifically defines catastrophic illness as acute or prolonged conditions posing serious threats to life or significant residual disability.
Contention
There are notable points of contention surrounding the implementation of A2451. Critics may argue that broadening insurance mandates could lead to increased premiums for all insured individuals, as insurers balance the financial implications of expanded coverage. Moreover, the feasibility and administrative burdens placed on insurance companies could be a concern, particularly regarding the management of out-of-network benefits and maintaining equitable treatment across networks. These debates highlight the complexities of healthcare reform and the challenges in ensuring both comprehensive and affordable care.
"Breann's Law" requires health insurers, the State Health Benefits Program and NJ FamilyCare to provide "out of network" coverage for children with catastrophic illnesses.
Requires Medicaid provide health benefits coverage, and places certain requirements on insurers and State Health Benefits Program regarding existing mandate on health benefits coverage, for certain over-the-counter contraceptives.
Requires health insurers, SHBP, SEHBP, and NJ FamilyCare coverage for sign language interpreter services for covered individuals who are deaf or hard of hearing.
Requires health insurers, SHBP, SEHBP, and NJ FamilyCare coverage for sign language interpreter services for covered individuals who are deaf or hard of hearing.
"Breann's Law" requires health insurers, the State Health Benefits Program and NJ FamilyCare to provide "out of network" coverage for children with catastrophic illnesses.