Establishes "Fair Access to Health Care Networks Act"; appropriates $2 million.

This bill, S 4910 ("Fair Access to Health Care Networks Act"), requires health insurance carriers in New Jersey to include all state-licensed health care facilities (such as clinics, labs, imaging centers, and physician practices) in their networks upon application. Carriers must respond to applications within 90 days and automatically add facilities if they miss the deadline, while paying at least 200% of Medicare rates for equivalent services. It prohibits carriers from excluding providers based on size, ownership, or hospital affiliation and ensures patients can access any licensed facility accepting the set reimbursement rate. The bill appropriates $2 million for enforcement by the Department of Banking and Insurance, which can impose $25,000 penalties for violations.