Do New Jersey mandated health benefits only apply to health insurance coverage issued in New Jersey?
Yes. Mandated health benefits are defined as a benefit or coverage that is required by New Jersey law to be provided by any company authorized to transact health insurance in New Jersey in health policies and contracts issued in New Jersey, regardless of the state of domicile of the company. Mandated Health Benefits include coverage for specific health care services, treatments or practices, or direct reimbursement to specific health care providers. Mandated benefits do not apply to self-funded plans where the employer is responsible for the claims but uses an insurer or third party administrator to process claims. Very large employers typically have self-funded plans.
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