NJ S3477

Requires health insurance networks to ensure 100% of covered persons can access an in-network mental health provider within 15 miles of their residence and within 30 days of requesting an appointment.

When in-person care within 15 miles is unavailable, carriers must provide access to in-network or out-of-network mental health services via telehealth/telemedicine within 30 days, with out-of-network telehealth reimbursed at no less than Medicaid rates.

Prohibits carriers from charging higher deductibles, copayments, or coinsurance for telehealth mental health services than for in-person, in-network consultations.

Applies to insurance companies, HMOs, State Health Benefits Program, School Employees' Health Benefits Program, Medicaid, and Medicaid managed care organizations in New Jersey.

Takes effect on the first day of the third month following enactment, with carriers subject to existing penalties under P.L.1997, c.192 for violations.