Requires health benefits coverage for private duty nursing services.

This bill requires all health insurance plans sold in New Jersey - covering hospital or medical expenses - to include coverage for private duty nursing services. It directly affects insurance companies and policyholders by mandating coverage for nursing care provided in homes, hospitals, or skilled nursing facilities by licensed nurses under a doctor's direction, for individuals needing more continuous care than standard visiting nurses provide. The law specifies coverage must follow the same deductibles and coinsurance as similar services, though insurers may still require prior authorization. This applies to hospital service corporations, medical service corporations, health service corporations, individual policies, and group health plans issued or renewed in New Jersey after the law takes effect.