Requires health insurance coverage for certain student athlete physical examinations.

S 2115 requires health insurance plans in New Jersey to cover annual physical examinations for student athletes and camp participants as part of pre-participation clearance. This applies to all health insurance contracts (including individual, group, employer-sponsored, and state health benefit plans) issued, renewed, or approved in the state after the effective date, with coverage provided at the same level as other preventive health services. The bill directly affects health insurance providers by expanding their coverage requirements and ensures student athletes and camp participants can access these exams without additional cost barriers. The mandate takes effect 120 days after enactment for new or renewed policies.