Policy
New Jersey's Insurance Parity Laws for Addiction Treatment
The federal Mental Health Parity and Addiction Equity Act sets a floor. New Jersey’s own parity statute goes further — with real teeth.
Updated February 2026 · Reviewed by Dr. Julianne Rivers, MD (Addiction Medicine)
What NJ requires
NJ law prohibits prior authorization for the first 28 days of inpatient or outpatient treatment for substance use disorders under state-regulated plans, and requires coverage of MAT without prior authorization.
How to file a complaint
The NJ Department of Banking and Insurance investigates parity violations. Complaints can be filed online at nj.gov/dobi.
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