Requires health insurers, SHBP, and SEHBP to provide coverage for medication and treatment for hepatitis C.
Impact
The implications of S1191 are significant for public health in New Jersey. By expanding coverage for hepatitis C treatment, the bill aims to increase diagnosis and treatment rates, ultimately contributing to better health outcomes for individuals with the disease. Health insurance plans will be required to align their policies with this act, which serves to protect vulnerable populations and promote equitable access to healthcare resources. The act takes effect 90 days after its enactment, allowing time for health insurers to adjust their policies accordingly.
Summary
Senate Bill S1191 is an important piece of legislation that mandates health insurers, including those under the State Health Benefits Program (SHBP) and School Employees' Health Benefits Program (SEHBP), to provide comprehensive coverage for the medication and treatment of hepatitis C. The bill specifies that coverage cannot be denied based on a person's substance use, the stage of the disease, or whether the prescribing healthcare professional is a specialist. This ensures that all affected individuals have access to necessary treatments without discrimination.
Contention
Despite its positive intent, S1191 has faced scrutiny regarding its potential financial impact on health insurers and the overall healthcare system. Critics argue that mandated coverage could lead to higher premiums for consumers as insurers adjust to the increased costs associated with treating chronic conditions like hepatitis C. There are ongoing discussions about balancing the need for comprehensive coverage with the economic realities of healthcare provision, making this bill a focal point in broader debates about health reform in the state.
Provides that purchase of insulin is not subject to deductible; requires health insurers to limit copayments and coinsurance for insulin; requires insulin manufacturers to submit report to Commissioner of Banking and Insurance.
Provides that purchase of insulin is not subject to deductible; requires health insurers to limit copayments and coinsurance for insulin; requires insulin manufacturers to submit report to Commissioner of Banking and Insurance.
Requires health insurance carriers to provide coverage for epinephrine auto-injector devices and asthma inhalers; limits cost sharing for health insurance coverage of insulin.
Requires health insurance carriers to provide coverage for epinephrine auto-injector devices and asthma inhalers; limits cost sharing for health insurance coverage of insulin.