New Jersey § 26:2ss-9

§ 26:2ss-9.

Notwithstanding any law, rule, or regulation to the contrary: a. With respect to a carrier, if a covered person receives inadvertent out-of-network

services, or services at an in-network or out-of-network health care facility on an

emergency or urgent basis, the carrier shall ensure that the covered person incurs

no greater out-of-pocket costs than the covered person would have incurred with an

in-network health care provider for covered services. Pursuant to sections 7 1 and 8 2 of this act, the out-of-network provider shall not bill the covered person, except

for applicable deductible, copayment, or coinsurance amounts that would apply if the

covered person utilized an in-network health care provider for the covered services. In the case of services provided to a member of a self-funded plan that does not

elect to be subject to the provisions of this section, the provider shall be permitted

to bill the covered person in excess of the applicable deductible, copayment, or coinsurance

amounts. b. (1) With respect to inadvertent out-of-network services, or services at an in-network

or out-of-network health care facility on an emergency or urgent basis, benefits provided

by a carrier that the covered person receives for health care services shall be assigned

to the out-of-network health care provider, which shall require no action on the part

of the covered person. Once the benefit is assigned as provided in this subsection: (a) any reimbursement paid by the carrier shall be paid directly to the out-of-network

provider; and (b) the carrier shall provide the out-of-network provider with a written remittance

of payment that specifies the proposed reimbursement and the applicable deductible,

copayment, or coinsurance amounts owed by the covered person. (2) An entity providing or administering a self-funded health benefits plan that elects

to participate in this section pursuant to subsection d. of this section, shall comply

with the provisions of paragraph (1) of this subsection. c. If inadvertent out-of-network services or services provided at an in-network or

out-of-network health care facility on an emergency or urgent basis are performed

in accordance with subsection a. of this section, the out-of-network provider may

bill the carrier for the services rendered. The carrier may pay the billed amount or the carrier shall determine within 20 days

from the date of the receipt of the claim for the services whether the carrier considers

the claim to be excessive, and if so, the carrier shall notify the provider of this

determination within 20 days of the receipt of the claim. If the carrier provides this notification, the carrier and the provider shall have 60 days from the date of this notification to negotiate a settlement. The carrier may attempt to negotiate a final reimbursement amount with the out-of-network

health care provider which differs from the amount paid by the carrier pursuant to

this subsection. If there is no settlement reached after the 60 days, the carrier shall pay the provider their final offer for the services. If the carrier and provider cannot agree on the final offer as a reimbursement rate

for these services, the carrier, provider, or covered person, as applicable, may initiate

binding arbitration within 60 days of the final offer, pursuant to section 10 3 or 11 4 of this act. In addition, in the event that arbitration is initiated pursuant to section 10 of

this act, the payment shall be subject to the binding arbitration provisions of paragraphs

(4) and (5) of subsection b. of section 10 of this act. d. With respect to an entity providing or administering a self-funded health benefits

plan and its plan members, this section shall only apply if the plan elects to be

subject to the provisions of this section. To elect to be subject to the provisions of this section, the self-funded plan shall

provide notice, on an annual basis, to the department, on a form and in a manner prescribed

by the department, attesting to the plan's participation and agreeing to be bound

by the provisions of this section. The self-funded plan shall amend the employee benefit plan, coverage policies, contracts

and any other plan documents to reflect that the benefits of this section shall apply

to the plan's members. 1

N.J.S.A. § 26:2SS-7. 2

N.J.S.A. § 26:2SS-8. 3

N.J.S.A. § 26:2SS-10. 4

N.J.S.A. § 26:2SS-11.