NJ S4251

Requires carriers and health care facility networks to provide electronic notice to each other and the Department of Banking and Insurance before removing or departing from a provider network, with mandatory 15-business-day continued coverage during good faith negotiations

Mandates notification to all subscribers and patients in affected counties on the first day of the 15-day negotiation period, including display on websites and apps

Opens a 30-day special enrollment period for individuals with small employer or individual health benefits plans in affected counties if negotiations fail, allowing them to select new plans including through the State-based exchange or a spouse's employer plan

Requires carriers to continue covering claims from the departing facility network at in-network rates for the insured, with the carrier responsible for additional charges, until either the next open enrollment period or a new agreement is reached

Defines "health care facility network" broadly to include hospitals, nursing homes, treatment centers, and diagnostic facilities, but excludes individual physician offices and independently owned labs operating predominantly in interstate commerce