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

This bill requires workers' compensation, personal injury protection (PIP) auto insurance, and health insurance plans in New Jersey to cover medical cannabis costs for qualifying patients under the state's medical cannabis law (P.L.2009, c.307). It applies to patients authorized to use cannabis for medical conditions like pain, nausea, or specific illnesses listed in the law. Insurers must cover these costs directly or reimburse patients who pay dispensaries first, but they are exempt if the federal government enforces the Controlled Substances Act. The bill does not mandate coverage for recreational use or override federal law.