Requires insurance coverage of diapers when medically necessary.

S 3226 requires New Jersey health insurance plans to cover the cost of diapers when a pediatrician or other medical doctor determines they are medically necessary, without requiring prior authorization from insurers. This applies to hospital service contracts, health maintenance organizations, and individual or group health insurance policies. It directly affects individuals with medical conditions (such as certain genetic disorders) that necessitate ongoing diaper use beyond infancy. The law ensures these essential medical supplies are covered under existing insurance plans, removing administrative barriers to access.