Requires insurance coverage of diapers when medically necessary.

This bill (S 2844) requires most health insurance plans in New Jersey to cover the cost of diapers when a pediatrician or other medical doctor determines they are medically necessary. It applies to hospital service contracts, medical service contracts, health service contracts, individual health insurance policies, group health plans, health benefits plans, and health maintenance organization contracts. The key provision mandates that insurers provide this coverage without requiring prior approval or other administrative hurdles. This policy change directly affects individuals covered by these insurance plans who need diapers for medical reasons, such as incontinence due to a health condition.