This bill mandates that various health insurance contracts in New Jersey, including those from hospital service corporations, medical service corporations, health service corporations, individual and group health insurance policies, health benefits plans, and health maintenance organizations, must cover the medical expenses associated with the purchase of diapers when deemed medically necessary by a covered person's pediatrician or medical doctor. The coverage must be provided without any prior authorization or other utilization management requirements, ensuring that individuals who require diapers for medical reasons can access them without additional barriers.

The bill applies to contracts and policies issued or renewed on or after its effective date, which is set for 90 days following enactment. It aims to address the needs of individuals, particularly those with genetic or other medical conditions that necessitate the use of diapers beyond early childhood, by ensuring that their insurance plans provide necessary coverage for this essential medical expense.