"Breann's Law" requires health insurers, the State Health Benefits Program and NJ FamilyCare to provide "out of network" coverage for children with catastrophic illnesses.

Breann's Law (A1763) requires health insurers, the State Health Benefits Program, and NJ FamilyCare to provide out-of-network coverage for children with catastrophic illnesses. The law defines catastrophic illness as an acute or prolonged life-threatening condition or one with risk of serious disability. Coverage must be provided to the same extent as in-network care when services are performed after a referral from an in-network provider. This applies to children diagnosed with such illnesses under applicable health insurance plans, directly affecting families seeking critical medical care. Named after Breann LaManna, a New Jersey child denied out-of-network coverage for a life-threatening illness, the law aims to remove financial barriers to necessary medical services.