"Health Insurance Claim Plain Language and Simplification Act."

This bill requires New Jersey health insurance companies to provide patients with clear, plain-language "explanation of benefits" forms whenever a claim is processed. The form must display key details on the first page - including the patient's name, provider, service date, total claim amount, what the insurer paid, and what the patient owes - in 12-point font. It also mandates that insurers explain why claims were paid, partially paid, or denied, and include simple instructions for next steps. The law aims to make insurance billing transparent and understandable for patients, aligning with existing New Jersey insurance simplification rules.