Requires health insurance carriers to categorize mental health treatment and therapy received by victim of domestic violence as medically necessary treatment and provide full benefits coverage therefor.

This bill (S 2587) requires New Jersey health insurance companies to cover mental health treatment and therapy for domestic violence victims as "medically necessary," eliminating any policy provision that would deny such coverage. It directly affects domestic violence victims seeking mental health care and applies to all health insurance policies (group, individual, and health service contracts) sold in New Jersey. The law mandates that insurers provide full coverage for these services at the same level as other medically necessary treatments, with no separate co-pays or denials based on the domestic violence context. The bill amends existing insurance statutes to explicitly prohibit coverage denials for mental health care related to domestic violence, ensuring victims receive equal treatment under their insurance plans.