NJ S4910

Requires health insurance carriers to accept into their provider networks any state-licensed healthcare facility or provider entity in good standing that applies, including ambulatory surgical centers, imaging centers, nursing homes, and private medical practices

Mandates carriers reimburse all in-network facilities and providers at a minimum of 200% of Medicare reimbursement rates unless a different rate is mutually agreed upon

Establishes a 90-day deadline for carriers to respond to network applications and complete credentialing, with automatic provisional network inclusion if the deadline is missed

Prohibits carriers from excluding healthcare facilities based on ownership structure, size, or hospital system affiliation, and guarantees patients the right to in-network benefits at any licensed facility accepting the carrier's rates

Appropriates $2 million to the Department of Banking and Insurance for enforcement, with civil penalties up to $25,000 per violation and possible license suspension or revocation for non-compliant carriers