This bill requires health insurers in New Jersey, including Medicaid, to provide coverage for biomarker testing, which involves analyzing biological samples to identify indicators related to diseases or conditions. Coverage is mandated for diagnosis, treatment, management, or monitoring of diseases when supported by medical and scientific evidence, such as FDA-approved tests and guidelines from recognized medical organizations. The bill emphasizes minimizing disruptions in patient care, particularly avoiding unnecessary biopsies or multiple biospecimen samples.

Additionally, the bill sets specific timelines for prior authorization requests, mandating decisions within 72 hours for non-urgent requests and 24 hours for urgent ones. It ensures that patients and healthcare providers have access to clear information regarding the appeals process for adverse determinations. The act will take effect 90 days after enactment and will apply to policies and contracts issued or renewed thereafter.