This bill mandates that health insurance plans in New Jersey provide coverage for home care services specifically for individuals who are defined as "disabled" or "elderly." "Disabled" refers to those with a total and permanent inability to engage in substantial gainful activity due to a medically determinable impairment, while "elderly" pertains to individuals aged 65 and older. The legislation allows healthcare professionals to deliver care in the homes of these individuals if they are unable to attend in-person visits, provided that such care is documented in their medical records and meets established clinical standards.

Furthermore, the bill prohibits health insurance contracts, including those from hospital service corporations, medical service corporations, and health maintenance organizations, from being issued or renewed without including benefits for home care that are equivalent to those for other medical conditions. It also clarifies that home care does not encompass custodial care, thereby differentiating between medical treatment and non-medical assistance. The act is designed to improve access to essential healthcare services for vulnerable populations, ensuring that those unable to travel to healthcare facilities receive the necessary care in their homes.