NJ S1320

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

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

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

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

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