This bill requires private health insurers and state health programs, including the State Health Benefits Program (SHBP), School Employees Health Benefits Program (SEHBP), Medicaid, and NJ FamilyCare, to provide coverage for wigs under specific medical circumstances. Coverage is mandated when a wig is prescribed by a licensed dermatologist, oncologist, or attending physician, and when the medical necessity is certified in writing as part of the subscriber's rehabilitative treatment for a diagnosed illness, chronic medical condition, or injury. The bill stipulates that coverage for a wig can be provided no more frequently than once every 36 months and that expenses incurred for the purchase of a wig must be covered on the same basis as any other durable medical equipment.

Furthermore, the bill explicitly prohibits health insurers from restricting wig coverage solely to individuals undergoing chemotherapy for cancer, thereby broadening access to those with other qualifying medical conditions. Definitions for "durable medical equipment" and "wig" are included, clarifying that a wig is considered a cranial prosthesis prescribed for medical purposes. The Commissioner of Human Services is tasked with establishing payment amounts and coverage frequency for Medicaid and NJ FamilyCare enrollees, ensuring that these programs align with the coverage provided by private insurers and state health programs. Overall, the legislation aims to enhance access to necessary medical equipment for individuals experiencing hair loss due to medical conditions.