Promotes equity in health insurance appeal process.

S 4660 eliminates a $25 application fee for individuals or healthcare providers to appeal insurance denials, reductions, or terminations of health benefits through New Jersey's Independent Health Care Appeals Program. It directly affects covered people (patients) and healthcare providers who must contest an insurer's final decision after exhausting the insurer's internal appeals process. The bill removes the financial barrier by deleting the fee requirement (previously allowing hardship waivers), while maintaining the 60-day application window and documentation requirements. This change applies only to appeals about medical necessity or appropriateness of services, not to coverage exclusions. The policy shift aims to make the appeals process more accessible without altering the program's scope or review standards.