New Jersey Senate Bill S1607

New Jersey 2022-2023 Regular Session

• Introduced: 2/14/22
• Refer: 2/14/22

Caption

Requires insurance coverage of diapers when medically necessary.

Impact

If enacted, S1607 would mandate insurance companies providing health benefits in New Jersey to include diaper coverage in their policies. This change is expected to improve access to essential items for families affected by health conditions that necessitate diaper use. The proposed legislation also prohibits insurance providers from imposing prior authorization requirements for diaper coverage, further simplifying the process for families seeking assistance.

Summary

Senate Bill S1607 introduces a requirement for health insurance policies in New Jersey to cover the medical expenses associated with diapers when deemed medically necessary by a pediatrician or other qualified healthcare provider. This bill aims to alleviate the financial burden on families who have children or individuals that require diapers for extended periods, often due to medical conditions. The legislation targets a gap in health coverage, recognizing the significant need for diapers among certain populations beyond infancy, including individuals with disabilities or chronic health issues.

Contention

Notable points of contention surrounding S1607 include concerns from insurance companies regarding the potential financial implications of expanding coverage to include diapers. Critics question whether this expansion may lead to increased premiums for all policyholders, impacting the affordability of health insurance. Supporters argue that the benefits far outweigh the costs, advocating for the dignity and health of those who rely on diapers beyond the age typically addressed by insurance plans. Furthermore, an emphasis on the need for a healthcare provider's determination of medical necessity aims to prevent misuse of the coverage while ensuring those in genuine need receive assistance.