S 3502 — Requires health insurance and Medicaid coverage for treatment of stuttering.*
Last action — REF SBA
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1Introduced
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2In Committee
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3Passed Senate
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4Passed General Assembly
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5To Executive
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6Enacted
This bill has been introduced in the Senate. Introduced February 12, 2026. It must pass committee before a floor vote.
Next likely step: a committee referral and hearing.
Odds of enactment
Low chanceBased on the sponsor, cosponsors, and committee posture, this bill has a low chance of becoming law.
Upgrade to see the exact probability and what's driving it.
A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.
Prognosis
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Introduced
Current position in the legislative process.
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4 sponsors
2 primary, 2 co-sponsors signed on.
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Bipartisan support
Sponsored across 2 parties (2 R · 2 D) — cross-party backing.
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Cleared a recorded vote
Passed 1 recorded vote so far.
Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.
In plain language
The bill requires health insurance and Medicaid to cover stuttering treatment.
This legislation mandates that health insurance and Medicaid provide coverage for the medically necessary treatment of stuttering, including both habilitative and rehabilitative speech therapy. Coverage applies to services delivered in-person or via telehealth.
What this means for you
- Workers: If you rely on health insurance, this bill ensures coverage for your stuttering treatment.
Summary
Treatment of stuttering-requires health insurance and Medicaid coverage
Bill Text
What changed in the latest version
181 added · 126 removedPlain-language change summary
The amendments clarify that both habilitative and rehabilitative speech therapy are covered when deemed medically necessary by a subscriber's medical doctor or licensed speech-language pathologist. Additionally, the provision to waive prior authorization for these services has been removed. The changes ensure that benefits are available without imposing any cost-sharing requirements, regardless of whether the services are provided in-person or via telehealth.
S3502 1R [First Reprint] SENATE, No.
Senator JAMES BEACH District 6 (Burlington and Camden) Senator ROBERT W. SYNOPSIS Requires health insurance and Medicaid coverage for the treatment of stuttering.
SINGER CURRENTDistrict VERSION30 OF(Monmouth TEXTand Ocean) As introduced.Co-Sponsored by:
Senators Bramnick and Lagana SYNOPSIS Requires health insurance and Medicaid coverage for treatment of stuttering.
CURRENT VERSION OF TEXT As reported by the Senate Commerce Committee on May 18, 2026, with amendments.
1. a. A hospital service corporation contract that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in this State, or approved for issuance or renewal in this State by the Commissioner of Banking and Insurance, on or after the effective date of this act, shall provide benefits to any subscriber for medical expenses incurred in the treatment of stuttering, including habilitative speech therapy and rehabilitative speech therapy, as determined 1to be1 medically necessary 1or neurogenic or developmental1 by the subscriber’s medical doctor. doctor 1or licensed speech-language pathologist1. The benefits shall be provided whether the services are delivered in-person or through telemedicine or telehealth. The1[The benefits shall be provided without the imposition of any prior authorization or other utilization management requirements.requirements.]1 b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the contract 1[, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed]1.
b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the contract, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed.
1“Speech-language pathologist” shall have the same meaning as provided in section 2 of P.L.1983, c.420 (C.45:3B-2).1 2. a. A medical service corporation contract that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in this State pursuant to P.L.1940, c.74 (C.17:48A-1 et seq.), or approved for issuance or renewal in this State by the Commissioner of Banking and Insurance on or after the effective date of this act, shall provide benefits to any subscriber for medical expenses incurred in the treatment of stuttering, including habilitative speech therapy and rehabilitative speech therapy, as determined 1to be1 medically necessary 1or neurogenic or developmental1 by the subscriber’s medical doctor. doctor 1or licensed speech-language pathologist1. The benefits shall be provided whether the services are delivered in-person or through telemedicine or telehealth. The1[The benefits shall be provided without the imposition of any prior authorization or other utilization management requirements.requirements.]1 b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the contract1[, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed]1.
b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the contract, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed.
1“Speech-language pathologist” shall have the same meaning as provided in section 2 of P.L.1983, c.420 (C.45:3B-2).1 3. a. A health service corporation contract that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in this State pursuant to P.L.1985, c.236 (C.17:48E-1 et al.), or approved for issuance or renewal in this State by the Commissioner of Banking and Insurance on or after the effective date of this act, shall provide benefits to any subscriber for medical expenses incurred in the treatment of stuttering, including habilitative speech therapy and rehabilitative speech therapy, as determined 1to be1 medically necessary 1or neurogenic or developmental1 by the subscriber’s medical doctor. doctor 1or licensed speech-language pathologist1. The benefits shall be provided whether the services are delivered in-person or through telemedicine or telehealth. The1[The benefits shall be provided without the imposition of any prior authorization or other utilization management requirements.requirements.]1 b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the contract1[, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed]1.
b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the contract, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed.
1“Speech-language pathologist” shall have the same meaning as provided in section 2 of P.L.1983, c.420 (C.45:3B-2).1 4. a. An individual health insurance policy that provides hospital and medical expense benefits and is delivered, issued, executed, or renewed in this State pursuant to chapter 26 of Title 17B of the New Jersey Statutes, or approved for issuance or renewal in this State by the Commissioner of Banking and Insurance, on or after the effective date of this act, shall provide benefits to any insured for medical expenses incurred in the treatment of stuttering, including habilitative speech therapy and rehabilitative speech therapy, as determined 1to be1 medically necessary 1or neurogenic or developmental1 by the insured’s medical doctor. doctor 1or licensed speech-language pathologist1. The benefits shall be provided whether the services are delivered in-person or through telemedicine or telehealth. The1[The benefits shall be provided without the imposition of any prior authorization or other utilization management requirements.requirements.]1 b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the policy1[, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed]1.
b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the policy, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed.
1“Speech-language pathologist” shall have the same meaning as provided in section 2 of P.L.1983, c.420 (C.45:3B-2).1 5. a. A group health insurance policy that provides hospital and medical expense benefits and is delivered, issued, executed, or renewed in this State pursuant to chapter 27 of Title 17B of the New Jersey Statutes, or approved for issuance or renewal in this State by the Commissioner of Banking and Insurance, on or after the effective date of this act, shall provide benefits to any insured for medical expenses incurred in the treatment of stuttering, including habilitative speech therapy and rehabilitative speech therapy, as determined 1to be1 medically necessary or 1neurogenic or developmental1 by the insured’s medical doctor. doctor 1or licensed speech-language pathologist1. The benefits shall be provided whether the services are delivered in-person or through telemedicine or telehealth. The1[The benefits shall be provided without the imposition of any prior authorization or other utilization management requirements.requirements.]1 b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the policy1[, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed]1.
b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the policy, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed.
1“Speech-language pathologist” shall have the same meaning as provided in section 2 of P.L.1983, c.420 (C.45:3B-2).1 6. a. An individual health benefits plan that provides hospital and medical expense benefits and is delivered, issued, executed or renewed in this State pursuant to P.L.1992, c.161 (C.17B:27A-2 et seq.), or approved for issuance or renewal in this State by the Commissioner of Banking and Insurance, on or after the effective date of this act, shall provide benefits to any covered person for medical expenses incurred in the treatment of stuttering, including habilitative speech therapy and rehabilitative speech therapy, as determined 1to be1 medically necessary 1or neurogenic or developmental1 by the covered person’s medical doctor. doctor or 1licensed speech-language pathologist1. The benefits shall be provided whether the services are delivered in-person or through telemedicine or telehealth. The1[The benefits shall be provided without the imposition of any prior authorization or other utilization management requirements.requirements.]1 b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the health benefits plan1[, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed]1.
b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the health benefits plan, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed.
1“Speech-language pathologist” shall have the same meaning as provided in section 2 of P.L.1983, c.420 (C.45:3B-2).1 7. a. A small employer health benefits plan that provides hospital and medical expense benefits and is delivered, issued, executed or renewed in this State pursuant to P.L.1992, c.162 (C.17B:27A-17 et seq.), or approved for issuance or renewal in this State by the Commissioner of Banking and Insurance, on or after the effective date of this act, shall provide benefits to any covered person for medical expenses incurred in the treatment of stuttering, including habilitative speech therapy and rehabilitative speech therapy, as determined 1to be1 medically necessary 1or neurogenic or developmental1 by the covered person’s medical doctor. doctor or 1licensed speech-language pathologist1. The benefits shall be provided whether the services are delivered in-person or through telemedicine or telehealth. The1[The benefits shall be provided without the imposition of any prior authorization or other utilization management requirements.requirements.]1 b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the health benefits plan1[, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed]1.
b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the health benefits plan, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed.
1“Speech-language pathologist” shall have the same meaning as provided in section 2 of P.L.1983, c.420 (C.45:3B-2).1 8. a. A health maintenance organization contract for health care services that is delivered, issued, executed, or renewed in this State pursuant to P.L.1973, c.337 (C.26:2J-1 et seq.), or approved for issuance or renewal in this State by the Commissioner of Banking and Insurance, on or after the effective date of this act, shall provide benefits to any enrollee for medical expenses incurred in the treatment of stuttering, including habilitative speech therapy and rehabilitative speech therapy, as determined 1to be1 medically necessary 1or neurogenic or developmental1 by the enrollee’s medical doctor. doctor 1or licensed speech-language pathologist1. The benefits shall be provided whether the services are delivered in-person or through telemedicine or telehealth. The1[The benefits shall be provided without the imposition of any prior authorization or other utilization management requirements.requirements.]1 b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the contract1[, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed]1.
b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the contract, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed.
1“Speech-language pathologist” shall have the same meaning as provided in section 2 of P.L.1983, c.420 (C.45:3B-2).1 9. a. The State Health Benefits Commission shall ensure that every contract purchased by the commission on or after the effective date of this act that provides hospital and medical expense benefits shall provide benefits to any covered person for medical expenses incurred in the treatment of stuttering, including habilitative speech therapy and rehabilitative speech therapy, as determined 1to be1 medically necessary 1or neurogenic or developmental1 by the covered person’s medical doctor. doctor 1or licensed speech-language pathologist1. The benefits shall be provided whether the services are delivered in-person or through telemedicine or telehealth. The1[The benefits shall be provided without the imposition of any prior authorization or other utilization management requirements.requirements.]1 b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the contract1[, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed]1.
b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the contract, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed.
1“Speech-language pathologist” shall have the same meaning as provided in section 2 of P.L.1983, c.420 (C.45:3B-2).1 10. a. The School Employees' Health Benefits Commission shall ensure that every contract purchased by the commission on or after the effective date of this act that provides hospital and medical expense benefits shall provide benefits to any covered person for medical expenses incurred in the treatment of stuttering, including habilitative speech therapy and rehabilitative speech therapy, as determined 1to be1 medically necessary 1or neurogenic or developmental1 by the covered person’s medical doctor. doctor 1or licensed speech-language pathologist1. The benefits shall be provided whether the services are delivered in-person or through telemedicine or telehealth. The1[The benefits shall be provided without the imposition of any prior authorization or other utilization management requirements.requirements.]1 b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the contract1[, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed]1.
b. The benefits shall be provided to the same extent as for any other service, drug, device, product, or procedure under the contract, except that no deductible, coinsurance, copayment, annual benefit limit, or any other cost-sharing requirement shall be imposed.
1“Speech-language pathologist” shall have the same meaning as provided in section 2 of P.L.1983, c.420 (C.45:3B-2).1 11. a.
Notwithstanding Notwithstanding any State law or regulation to the contrary, the Department of Human Services shall ensure provide benefits to persons served under the Medicaid program, established pursuant to P.L.1968, c.413 (C.30:4D-1 et seq.), for medical expenses incurred in the treatment of stuttering, including habilitative speech therapy and rehabilitative speech therapy, as determined 1to be1 medically necessary 1or neurogenic or developmental1 by the person’s medical doctor. doctor 1or licensed speech-language pathologist1. The benefits shall be provided whether the services are delivered in-person or through telemedicine or telehealth. The1[The benefits shall be provided without the imposition of any prior authorization or other utilization management requirements.requirements.]1 b. 1[Any copayment, coinsurance, deductible, or annual benefit limit that may be required pursuant to the contract for services covered pursuant to subsection a.
b. Any copayment, coinsurance, deductible, or annual benefit limit that may be required pursuant to the contract for services covered pursuant to subsection a.
c. c.]1 The department may take any administrative action necessary to effectuate the provisions of this section, including modifying or amending any applicable contract or promulgating, amending, or repealing any guidance, guidelines, or rules, which rules or amendments thereto shall be effective immediately upon filing with the Office of Administrative Law for a period not to exceed 12 months, and may, thereafter, be amended, adopted or readopted in accordance with the provisions of the “Administrative Procedure Act,” P.L.1968, c.410 (C.52:14B-1 et seq.).
d. 1[d.] c.1 As used in this section:
1“Speech-language pathologist” shall have the same meaning as provided in section 2 of P.L.1983, c.420 (C.45:3B-2).1 12. This act shall take effect on the 90th day next following enactment and shall apply to policies, plans, and contracts delivered, executed, issued, or renewed on or after that date.
STATEMENT This bill requires health insurers (health, hospital and medical service corporations, commercial individual and group health insurers, health maintenance organizations, health benefits plans issued pursuant to the New Jersey Individual Health Coverage and Small Employer Health Benefits Programs, the State Health Benefits Program, and the School Employees’ Health Benefits Program) and the State Medicaid program to provide coverage for medical expenses incurred in the treatment of stuttering, including habilitative speech therapy and rehabilitative speech therapy. Whether treatment is a medical necessity is to be determined by the covered person’s medical doctor.
The bill requires coverage to be provided whether the services are delivered in-person or through telemedicine or telehealth, without the imposition of any prior authorization or other utilization management requirements, and without cost-sharing.
Pursuant to the bill, “habilitative speech therapy" means speech therapy that helps a person keep, learn, or improve skills and functioning for daily living;
and “rehabilitative speech therapy" means speech therapy that helps a person restore or improve skills and functioning for daily living that have been lost or impaired.
Action History
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REF SBA
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REP/SCA 2RS
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INT 1RS REF SCM
Sponsors
- Joseph A. Lagana · Cosponsor
- Jon M. Bramnick · Cosponsor
- Robert W. Singer · Primary
- James Beach · Primary
Sponsorship breakdown
Export CSV (upgrade) →2 sponsors · 2 co-sponsors · 116 not signed on
Sponsors (2)
- Singer, Robert W. Republican
- Beach, James Democrat
Co-sponsors (2)
- Lagana, Joseph A. Democrat
- Bramnick, Jon M. Republican
Not signed on (116)
116 members have not signed on to this bill.
Show all 116 →"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.
Votes
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Democrat | 3 | 0 | 0 | 0 |
| Republican | 2 | 0 | 0 | 0 |
| Total | 5 | 0 | 0 | 0 |
| % of votes cast | 100% | 0% | 0% | 0% |
How each member voted (5)
| Member | Party | Vote |
|---|---|---|
| Cryan, Joseph P. | Democrat | Yea |
| Johnson, Gordon M. | Democrat | Yea |
| Lagana, Joseph A. | Democrat | Yea |
| Bramnick, Jon M. | Republican | Yea |
| Singer, Robert W. | Republican | Yea |
Subjects
Frequently asked questions
- What does S 3502 do?
- Treatment of stuttering-requires health insurance and Medicaid coverage
- Who sponsors S 3502?
- S 3502 is sponsored by Lagana, Joseph A. (Democrat), Bramnick, Jon M. (Republican), Singer, Robert W. (Republican), and Beach, James (Democrat).
- What is the current status of S 3502?
- This bill has been introduced in the Senate. Introduced February 12, 2026. It must pass committee before a floor vote.
- Where can I track S 3502?
- Track S 3502 free on One Click Politics — get push/email alerts when it moves.
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