Requires health insurance coverage for early-stage kidney disease screening without cost sharing.

This New Jersey bill mandates that health insurance plans cover early-stage kidney disease screening without charging patients any deductibles, copayments, or coinsurance. The law specifically requires coverage for blood tests measuring glomerular filtration rate and urine tests checking albumin-creatinine ratios when a physician deems them medically necessary. Insurance providers must treat these screenings with the same benefits as other medical conditions, provided the patient meets clinical guidelines set by the National Kidney Foundation. The policy applies to various types of hospital and medical service contracts issued or renewed in the state after the act takes effect.