Requires insurance coverage of diapers when medically necessary.

This bill requires most health insurance plans in New Jersey to cover the cost of diapers when a pediatrician or doctor determines they are medically necessary, such as for individuals with genetic or chronic conditions requiring diapers beyond infancy. It applies to hospital service contracts, medical service plans, individual and group health insurance, and health maintenance organizations. Insurers must provide this coverage without prior authorization or additional utilization management requirements. The policy directly affects insured individuals with medical conditions requiring diapers and insurers offering covered health plans in New Jersey.