Lowers age at which certain insurers are required to provide coverage for mammograms.

This bill requires health insurers in New Jersey to cover mammograms starting at age 35 for all women, lowering the previous age requirement from 40. It mandates one baseline mammogram at age 35, annual screenings for women 35 and older, and additional testing (like ultrasounds or MRIs) if dense breast tissue, abnormal results, or risk factors (such as family history) are present. The coverage applies to all group and individual health insurance plans, including hospital service, medical service, and health service corporation contracts. Insurers must cover these services to the same extent as other medical benefits, though they may review medical necessity for additional tests. This directly affects women aged 35+ and those with specific breast cancer risk factors under 35.