This bill seeks to authorize and mandate health insurance coverage for home care services specifically for disabled and elderly individuals in New Jersey. It defines "disabled" as a total and permanent inability to engage in substantial gainful activity due to a medically determinable impairment, and "elderly" as individuals aged 65 and older. The legislation allows healthcare professionals to provide necessary care in the homes of these individuals when they are unable to attend in-person visits at healthcare facilities, as documented in their medical records. Home care services include preventative, primary, specialty, or urgent care, but explicitly exclude custodial care.

Furthermore, the bill stipulates that no health insurance contracts can be issued or renewed in New Jersey without including benefits for home care services, which must be provided to the same extent as for any other medical condition under the contract. It clarifies that these provisions do not impose new network adequacy requirements specifically for home care. By ensuring that health insurance carriers provide coverage for home care, the bill aims to enhance access to essential medical services for vulnerable populations, ultimately improving health outcomes for disabled and elderly individuals who require home-based healthcare solutions.