Authorizes home care for individuals who are disabled or elderly and requires health insurance coverage therefor.

This bill requires health insurance plans in New Jersey to cover medically necessary home care for disabled or elderly residents. It defines "disabled" as total permanent inability to work due to medical conditions and "elderly" as 65+ with mobility issues. Home care - covering preventative, primary, or specialty treatment provided in a patient's home - must be covered on the same terms as other medical services, excluding custodial care. Insurance contracts must include this coverage for all subscribers, effective upon the bill's enactment, without creating new network requirements.