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Bill

Bill

A 5749

Requires health insurers to provide coverage for testing for suspected dyslexia.

2024-2025 Regular Session Introduced by Linda Carter and 2 co-sponsors

New Jersey bill mandates health insurers cover dyslexia diagnostic testing to reduce financial barriers and increase early identification of reading disorders in students.

Introduced in the Assembly, Referred to Assembly Financial Institutions and Insurance Committee
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Bill Summary · A 5749

Legislative bill overview

Bill A 5749 mandates that health insurance plans in New Jersey cover diagnostic testing for suspected dyslexia without cost-sharing requirements. The bill applies to all health insurers offering coverage in the state and treats dyslexia screening as a covered benefit rather than an out-of-pocket expense.

Why is this important

Early dyslexia identification is critical for academic intervention, yet diagnostic testing can cost $500-$3,000 out-of-pocket, creating financial barriers for families to access assessment. Removing insurance coverage barriers could significantly increase screening rates and allow earlier intervention, potentially improving educational outcomes for affected children.

Potential points of contention

  • Cost implications: Insurers may argue that mandatory coverage increases premiums for all policyholders, and questions exist about whether testing costs would be passed to consumers through higher rates
  • Definition and scope ambiguity: The bill's language on what constitutes "suspected dyslexia" and who can order testing (pediatricians, schools, specialists) may require clarification to prevent overuse or limit inappropriate referrals
  • Medical necessity standards: Disagreement may arise over whether dyslexia screening qualifies as preventive/diagnostic care versus educational services that might fall under school district responsibility rather than insurance

Compiled from official sources — confirm details with the bill’s official record.

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