Prohibits pre-approval or precertification of medical tests, procedures and prescription drugs covered under health benefits or prescription drug benefits plans.

This bill (A 249) prohibits health insurers, pharmacy benefits managers, and state health programs (like the State Health Benefits Program) from requiring pre-approval or precertification for covered medical tests, procedures, or prescription drugs. It applies when a licensed healthcare provider prescribes the service or drug, and it is already covered under the health or prescription drug plan. The law directly affects patients seeking covered care by removing bureaucratic delays caused by insurance company review processes. Key provisions eliminate requirements for prior authorization on covered services, ensuring payment is processed without insurer-imposed delays. The bill takes effect immediately for plans issued or purchased on or after the effective date.