Requires health insurance coverage for donation of organs from individuals declared dead.

This bill requires all health insurance plans in New Jersey to cover the full cost of organ donation after death, with no out-of-pocket expenses for the insured. It applies when the deceased person was registered as an organ donor in New Jersey's official registry, or when a designated family member (like a spouse, adult child, sibling, or legal guardian) authorizes the donation. The coverage includes all necessary medical procedures related to organ donation following a declaration of death under New Jersey's Death Act. This policy directly affects insured individuals and their families who choose to donate organs after death.