"Breann's Law" requires health insurers, the State Health Benefits Program and NJ FamilyCare to provide "out of network" coverage for children with catastrophic illnesses.

"Breann's Law" (Bill A-2822) requires health insurers, the State Health Benefits Program, and NJ FamilyCare to cover out-of-network medical services for children diagnosed with catastrophic illnesses - defined as life-threatening conditions or those posing serious disability risks - when services are provided by referral from an in-network provider. The law mandates that coverage for these out-of-network services must be provided at the same level as in-network care under the same health plan. It applies to specific health insurance contracts, including hospital service, medical service, health service corporation plans, and group health insurance policies issued in New Jersey. This policy change directly affects families of children with severe illnesses who previously faced barriers to accessing specialized care outside their insurance network.