Requires health insurance coverage for annual mental health screening.

This New Jersey bill (A 2649) requires all health insurance plans sold in the state to cover annual mental health screenings as part of standard coverage for mental health conditions and substance use disorders. It applies to hospital service, medical service, and health service insurance contracts, mandating that insurers provide this coverage under the same terms and conditions as physical health care - meaning no stricter copays, deductibles, or review processes for mental health than for other medical services. The law aligns with federal parity requirements and specifically adds the annual screening as a covered benefit. This directly affects all health insurance companies operating in New Jersey and their policyholders, ensuring access to preventative mental health care without additional cost barriers.