NJ S4486

Lowers the age for mandatory mammogram coverage from 40 to 35 years old, requiring health insurers to cover one baseline mammogram at age 35 and annual mammograms thereafter

Requires coverage for women under 35 who have a family history of breast cancer or other risk factors, with mammograms provided at intervals deemed medically necessary by their health care provider

Mandates coverage for additional testing (ultrasound, MRI, 3D mammography) after baseline mammograms that show dense breast tissue, abnormal results, or when patients have risk factors like positive genetic testing or prior breast cancer history

Applies to all major insurance types: hospital, medical, and health service corporations; individual and group health insurance policies; HMOs; and plans under the Individual Health Coverage and Small Employer Health Benefits Programs

Extends mammogram coverage requirements to the School Employees' Health Benefits Program (SEHBP), which was not previously included in the existing mammogram mandate law