Establishes "New Jersey Menopause Coverage Act"; requires health insurance coverage of medically necessary perimenopause and menopause treatments.

This bill, the "New Jersey Menopause Coverage Act," requires health insurance plans in New Jersey to cover medically necessary treatments for perimenopause and menopause. It mandates coverage for specific treatments including hormone therapies, non-hormonal medications, behavioral health services, pelvic floor therapy, bone health treatments, preventative care for related conditions like osteoporosis and cardiovascular disease, and counseling. Insurers must provide clear information about these covered services to their members. The law applies to all health insurance plans in New Jersey, including individual policies, group plans, and state health benefit programs. It defines "menopause" as the natural end of menstrual cycles after 12 consecutive months without a period, and "perimenopause" as the transitional period leading to menopause.