Requires health insurance carriers to provide coverage for persons 18 or younger with diagnosed complex medical needs.

This bill requires New Jersey health insurance companies and health plans to cover medical expenses for children and teens under 18 with diagnosed complex medical needs. It mandates coverage for necessary medical services, equipment, prescriptions, and nursing care when a licensed doctor deems it medically required, and prohibits insurers from demanding pre-approvals or precertifications for these covered services. Insurers must approve such coverage within three business days of receiving a doctor's letter confirming medical necessity. The bill defines "complex medical needs" as conditions that are emergent, life-threatening, substantially disabling, require specialized care, or involve high-risk treatments. This applies to all health plans issued or purchased in New Jersey, including state employee and school employee programs.