Requires health insurers to provide coverage for hearing aids.

New Jersey's S 845 requires most health insurance plans sold in the state to cover hearing aids. Specifically, it mandates that insurers provide coverage for one hearing aid per ear every 48 months (as recommended by a licensed audiologist or hearing aid dispenser) with patient out-of-pocket costs capped at 15% of the device's cost. This applies to hospital service corporations, medical service corporations, health service corporations, group and individual health insurance policies, health maintenance organizations (HMOs), and individual health benefits plans. The bill directly affects New Jersey residents with these insurance plans and their providers, ensuring more accessible hearing aid coverage without increasing patient costs beyond the 15% limit. The bill was introduced in the Senate on January 9, 2024, and referred to the Commerce Committee.