Requires workers' compensation, PIP, and health insurance coverage for the medical use of cannabis under certain circumstances.

This bill requires New Jersey employers, workers' compensation insurers, auto insurers (for personal injury protection), and health insurers to cover medical cannabis costs for qualifying patients authorized under state law. Qualifying patients include those with conditions like chronic pain, nausea, or multiple sclerosis who have a state-issued medical cannabis authorization. Insurers must cover these costs directly or reimburse patients if payments to dispensaries aren't feasible, but coverage stops if the federal government enforces the Controlled Substances Act. The bill applies specifically to workers' compensation for job-related injuries, auto accident injuries, and standard health insurance plans.