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 requiring patients to pay deductibles, copayments, or coinsurance. It applies to individuals whose doctors determine the screening is medically necessary based on guidelines from the National Kidney Foundation. The law specifically requires coverage for two types of tests: a blood test to measure kidney function and a urine test to check for protein. Insurance companies must treat these screenings the same as other medical conditions, ensuring patients can access them without out-of-pocket costs.