Requires health benefits plan and carriers to meet certain requirements concerning network adequacy and mental health care.

This bill (S 3477) requires health insurance carriers in New Jersey - including Medicaid, private plans, and self-funded employer plans - to ensure mental health care access for all covered individuals. It mandates that carriers maintain sufficient mental health providers in their networks, guaranteeing 100% of enrollees can access in-person care within 15 miles and 30 days, or telehealth/telemedicine care within 30 days if in-person options are unavailable. Insurers must cover telehealth mental health services on the same terms as in-person visits, with no higher deductibles/copays and reimbursement rates at least matching Medicaid rates. The law applies to all health benefits plans (excluding accident-only, disability, or workers' compensation coverage) and establishes penalties for noncompliance.