This bill requires health insurance plans in New Jersey, including those from health maintenance organizations and various health benefits programs, 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 mandates that high-deductible health plans provide this coverage at the lowest deductible and cost-sharing levels allowed under federal law.

Furthermore, the bill establishes a presumption of medical necessity for early-stage kidney disease screenings if they align with 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.