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 existing law (P.L.2009, c.307). It directly affects workers with job-related injuries, auto accident victims, and health plan enrollees diagnosed with qualifying conditions like chronic pain or cancer. Key provisions mandate insurers to pay dispensaries directly or reimburse patients upon proof of payment, while allowing federal intervention under the Controlled Substances Act to override coverage. The bill does not require coverage for recreational use or affect federal drug laws beyond the specified exception.