NJ S400

Mandates all health insurers in New Jersey, including hospital/medical service corporations, commercial insurers, HMOs, and state/school employee health benefits programs, to cover treatment expenses for tick-borne diseases deemed medically necessary by a physician

Covers tick-borne diseases including severe borrelia burgdorferi infections (Lyme disease), late-stage/chronic infections, other borrelia strains, and any tick-borne disease recognized by the CDC

Requires coverage of long-term antibiotic therapy, defined as oral, intramuscular, or intravenous antibiotics administered for periods exceeding four weeks, as well as ongoing testing

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

Takes effect 90 days after enactment and applies to all new or renewed health insurance contracts approved by the Commissioner of Banking and Insurance