NJ A1987

Health care professionals may provide care in the home of disabled or elderly individuals (age 65+ with mobility issues) who are unable to visit a health care facility, as documented in their medical record based on clinical judgment

All health insurance contracts in New Jersey—including hospital service corporations, medical service corporations, health service corporations, individual and group policies, HMOs, and small employer plans—must cover home care expenses at the same level as other medical conditions

"Home care" includes preventative, primary, specialty, and urgent care provided by licensed health care professionals or nurse practitioners/clinical nurse specialists, but explicitly excludes custodial care

"Disabled" is defined as total and permanent inability to engage in substantial gainful activity due to any medically determinable physical or mental impairment, including blindness

The State Health Benefits Commission must ensure all purchased contracts providing hospital and medical expense benefits include coverage for home care expenses