Requires health insurers, SHBP, and SEHBP to cover mammograms for women over 35 and women under 35 under certain circumstances.

This bill requires New Jersey health insurers, including commercial plans, health maintenance organizations, and state programs, to cover mammograms starting at age 35 rather than 40 for routine screening. It mandates annual mammograms for women 35 and older, while also requiring coverage for women under 35 with family history of breast cancer or other risk factors. The bill also requires coverage for additional breast imaging tests like ultrasounds or MRIs when mammograms show dense breast tissue or abnormalities. This applies to all health insurance plans in New Jersey, including the State Health Benefits Program and School Employees' Health Benefits Program. The policy change lowers the age threshold for routine screening to improve early breast cancer detection.