This bill mandates health insurance coverage for home care services for individuals who are disabled or elderly in New Jersey. It defines "home care" as various types of medical services, including preventative, primary, specialty, or urgent care, delivered by licensed health care professionals in a patient's home when they are unable to attend in-person visits. The bill specifies that such care must be documented in the individual's medical record and adhere to clinical standards, while explicitly excluding custodial care.

Furthermore, the legislation requires that all health insurance contracts, including those from various service corporations and health maintenance organizations, must include benefits for home care services, ensuring that coverage is equivalent to that of any other medical condition. The bill does not introduce new network adequacy requirements specifically for home care, but it allows insurers to offer additional benefits for these services. Overall, the bill aims to improve access to healthcare for vulnerable populations by ensuring that necessary medical attention is available in their homes.