Permits payment of only one co-payment or deductible for follow-up care or treatment after surgery or illness under certain health benefits plans.

This bill (S 3048) would limit health insurance plan costs for patients receiving follow-up care after surgery or illness. It requires insurers to allow patients to pay only **one co-payment or deductible** for all covered follow-up visits with participating providers within any 180-day period, regardless of how many visits occur. The rule applies only if patients follow their plan’s preauthorization rules for in-network care. It directly affects patients with managed care health insurance plans in New Jersey who need ongoing post-surgical or illness treatment. The bill is currently pending in the Senate Commerce Committee and would take effect for new/renewed insurance contracts after enactment.