Requires insurance coverage of epinephrine for persons aged 18 or younger when medically necessary.

This bill requires all health insurance plans in New Jersey to cover epinephrine auto-injector devices (like EpiPens) for individuals under 18 years old when a doctor deems it medically necessary. It applies to hospital service corporations, medical service corporations, health maintenance organizations, individual/group health insurance policies, and state health benefit programs. The key provision mandates coverage without prior authorization or other usage restrictions, ensuring families can access these life-saving devices when prescribed. It directly affects minors with severe allergies who rely on epinephrine auto-injectors for emergencies.