This bill mandates that health insurance carriers in New Jersey provide coverage for organ donation without any cost-sharing for insured individuals who are declared dead, in accordance with the Declaration of Death Act. Coverage is applicable if the deceased individual is registered as an organ donor through the state's organ donor registry or if a designated representative, such as a spouse, adult child, sibling, or legal guardian, decides to donate the organs.

The legislation aims to facilitate organ donation by ensuring that there are no financial barriers for the insured individuals or their representatives when making the decision to donate. The bill will take effect on the first day of the fourth month following its enactment and will apply to health benefits plans that are delivered, issued, executed, or renewed after the effective date.