Requires health insurance carriers and Medicaid to provide coverage for planned home childbirth.

This bill requires all health insurance plans in New Jersey - including private insurers, health maintenance organizations, and state programs like Medicaid (NJ FamilyCare) - to cover planned home childbirth expenses. It mandates coverage for costs related to services provided by certified midwives, physicians, nurses, and doulas, as well as necessary medical equipment and supplies. The law applies to hospital service contracts, individual/group health policies, and state health benefit programs, with most provisions taking effect 120 days after enactment and Medicaid coverage requiring two years. It defines "health care provider" to include certified midwives, obstetricians, and other licensed professionals.