The bill amends New Jersey law to enhance health insurance coverage for contraceptive services, specifically requiring insurers to cover both prescription and over-the-counter female contraceptives without any cost-sharing or medical management restrictions. It mandates that coverage includes therapeutic equivalents of prescription contraceptives and recognizes medical necessity for over-the-counter contraceptives as automatically present. Additionally, the bill ensures that point-of-sale coverage for these contraceptives is provided without cost-sharing, thereby removing financial barriers for individuals seeking access to contraceptive options.

Moreover, the bill extends coverage requirements to family planning services under the State Medicaid program, ensuring that over-the-counter contraceptives and pharmacy-authorized self-administered hormonal contraceptives are available without a prescription or provider order. The Commissioner of Human Services is tasked with applying for necessary state plan amendments or waivers to implement these provisions and secure federal funding for state Medicaid expenditures. The act will take effect 90 days after enactment and will apply to policies and contracts issued or renewed thereafter.

Statutes affected:
Introduced: 17:48-6, 17:48A-7, 17:48E-35.29, 17B:27-46.1, 17B:26-2.1, 26:2J-4.30, 17B:27A-7.12, 17B:27A-19.15, 30:4D-6