Requires continued coverage of prescription drugs for certain medical conditions.

This bill requires health insurers in New Jersey to maintain coverage for prescription drugs for individuals with complex/chronic medical conditions or rare diseases during any appeal stage if coverage was previously denied based on medical necessity. It prevents insurers from imposing new cost increases, coverage limits, or moving drugs to higher-cost tiers while an appeal is pending. Insurers may only deny coverage during an appeal if the prescribing doctor stops recommending the drug, the FDA issues a safety warning, or the drug manufacturer discontinues production. The law applies to all group and individual health insurance plans sold in New Jersey that cover prescription drugs.