"Michelle's Law"; requires health benefit plans to cover mammogram for an individual if recommended by health care provider.

Michelle's Law requires all health insurance plans in New Jersey to cover mammograms when a healthcare provider recommends them. It mandates baseline mammograms for women at age 40, annual mammograms for women 40 and older, and coverage for women under 40 with breast cancer risk factors (like family history) based on provider recommendation. The law also requires coverage for additional tests like ultrasounds or MRIs if needed due to dense breast tissue, abnormal results, or other risk factors. This applies to all health insurance contracts, including those allowing premium changes, without limiting coverage for other medical conditions.