This bill mandates that health insurance carriers in New Jersey provide coverage for individuals aged 18 or younger who have been diagnosed with complex medical needs. The coverage includes expenses related to medical services, procedures, testing, nursing care, and the purchase of medical equipment or prescription drugs, contingent upon the determination of medical necessity by the attending licensed health care provider.

Additionally, the bill stipulates that health insurance carriers must approve benefits for these individuals within three days of receiving a request from the attending provider. It prohibits carriers from requiring pre-approval or precertification for any covered medical services, procedures, tests, nursing care, or purchases if they have been prescribed by a licensed health care provider. This legislation aims to streamline access to necessary medical care for children with complex health conditions.