This bill requires health insurance plans in New Jersey, including those from various health service corporations and individual and group policies, to cover early-stage kidney disease screening without imposing any cost-sharing requirements such as deductibles, coinsurance, or copayments. The screenings, which must be deemed medically necessary by a physician, include either a blood test to assess an individual's estimated glomerular filtration rate or a urine albumin-creatinine ratio test. The legislation also extends these provisions to high-deductible health plans, ensuring compliance with federal law regarding tax deductions for medical savings accounts.

Furthermore, the bill establishes a presumption of medical necessity for early-stage kidney disease screenings if a physician determines that the patient meets the clinical guidelines set by the National Kidney Foundation or a similar organization. The act is set to take effect on the first day of the fourth month following its enactment and will apply to all relevant policies and contracts delivered, issued, executed, or renewed after that date.