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

This bill requires workers' compensation, private passenger automobile insurance, and health insurance plans in New Jersey to cover the costs of medical cannabis for qualifying patients authorized under state law. The legislation applies to employees injured on the job, individuals involved in auto accidents, and health plan members who meet medical cannabis patient criteria. Coverage includes direct payment to dispensaries or reimbursement to patients if direct payment isn't feasible, with an exception if federal authorities intervene to enforce the Controlled Substances Act. The bill also includes a finding that medical cannabis has therapeutic value for conditions like pain, nausea, and multiple sclerosis.