NJ S3123

Prohibits health insurance carriers from requiring pre-approval or precertification for medical tests, procedures, or prescription drugs that are covered under a health benefits plan and prescribed by a licensed health care provider.

Applies the same prohibition to third party administrators and pharmacy benefits managers, preventing them from conditioning payment on prior authorization requirements.

Extends the ban on pre-approval requirements to the State Health Benefits Program and the School Employees' Health Benefits Program for covered medical services and prescriptions.

Takes effect immediately and applies to health benefits plans or prescription drug benefits plans issued or purchased on or after the effective date.

Aims to eliminate utilization management barriers that delay medical care, shifting decision-making authority back to prescribing physicians rather than insurance company bureaucracies.