NJ S1320

Mandates all New Jersey health insurers provide coverage for tick-borne disease treatment deemed medically necessary by a patient's physician, including long-term antibiotic therapy (exceeding four weeks) and ongoing testing.

Covers tick-borne diseases including Lyme disease (borrelia burgdorferi), chronic or late-stage infections, and any tick-borne diseases recognized by the CDC.

Prohibits insurers from denying coverage solely because treatment is characterized as experimental or investigational, or involves off-label prescription drug use, if the drug is recognized in medical compendia or peer-reviewed journals.

Applies to hospital service corporations, medical service corporations, HMOs, individual and group health insurance policies, small employer health benefits plans, and State/School Employees' Health Benefits Programs.

Takes effect 90 days after enactment and applies to contracts issued or renewed after the effective date.