Nev. Rev. Stat. § 689B.03764 — NV Code / Title 57 / Chapter 689B / Section 689B.03764
Policy covering prescription drugs: Denial of coverage for early refills of otherwise covered topical ophthalmic products prohibited
Status: in_force

1. An insurer who offers or issues a policy of group health insurance which provides coverage for prescription drugs shall not deny coverage for a topical ophthalmic product which is otherwise approved for coverage by the insurer when the insured, pursuant to NRS 639.2395 , receives a refill of the product: (a) After 21 days or more but before 30 days after receiving any 30-day supply of the product; (b) After 42 days or more but before 60 days after receiving any 60-day supply of the product; or (c) After 63 days or more but before 90 days after receiving any 90-day supply of the product.

2. The provisions of this section do not affect any deductibles, copayments or coinsurance authorized or required pursuant to the policy of group health insurance.

3. A policy of group health insurance subject to the provisions of this chapter which provides coverage for prescription drugs and that is delivered, issued for delivery or renewed on or after January 1, 2016, has the legal effect of including the coverage required by this section, and any provision of the policy or renewal which is in conflict with this section is void.

4. As used in this section, “ topical ophthalmic product ” means a liquid prescription drug which is applied directly to the eye from a bottle or by means of a dropper.
Nev. Rev. Stat. § 682A.528 — NV Code / Title 57 / Chapter 682A / Section 682A.528
Short sale of equity investments
Status: in_force

An insurer shall not short sell equity investments unless the insurer covers the short sale by owning the equity investment or an unrestricted right to the equity instrument exercisable within 6 months after the short sale.
Nev. Rev. Stat. § 679B.125 — NV Code / Title 57 / Chapter 679B / Section 679B.125
Observation of conduct of persons in insurance business; regulations
Status: in_force

The Commissioner may observe the conduct of each authorized insurer and other persons who have a direct material involvement with the insurance business to ensure that:

1. An unqualified, disqualified or unsuitable person is not involved in insurance; and

2. The insurance business is not conducted in an unsuitable manner.

The Commissioner shall, by regulation, define the terms “unsuitable person” and “unsuitable manner” for use in carrying out the provisions of this section and NRS 679B.310 and 680A.200 .
Nev. Rev. Stat. § 695C.179 — NV Code / Title 57 / Chapter 695C / Section 695C.179
Reimbursement for services provided by certain nurses
Status: in_force

1. If any evidence of coverage provides coverage for services which are within the authorized scope of practice of a registered nurse who is authorized pursuant to chapter 632 of NRS to perform additional acts in an emergency or under other special conditions as prescribed by the State Board of Nursing, and which are reimbursed when provided by another provider of health care, the insured is entitled to reimbursement for services provided by such a registered nurse.

2. The terms of the evidence of coverage must not limit: (a) Coverage for services provided by such a registered nurse to a number of occasions less than for services provided by another provider of health care. (b) Reimbursement for services provided by such a registered nurse to an amount less than that reimbursed for similar services provided by another provider of health care.

3. An insurer is not required to pay for services provided by such a registered nurse which duplicate services provided by another provider of health care.
Nev. Rev. Stat. § 682A.572 — NV Code / Title 57 / Chapter 682A / Section 682A.572
Quantitative limitation on exempted investments
Status: in_force

An insurer shall not acquire any investment or engage in any investment practice in accordance with subsection 2 of NRS 682A.570 if, as a result of and after giving effect to the transaction, the aggregate amount of all investments in any one person held by the insurer in accordance with subsection 1 of NRS 682A.570 would exceed 5 percent of its admitted assets.
Nev. Rev. Stat. § 695C.110 — NV Code / Title 57 / Chapter 695C / Section 695C.110
Governing body: Composition; participation by enrollees
Status: in_force

1. The governing body of any health maintenance organization may include providers, other individuals or both.

2. Such governing body shall establish a mechanism to afford the enrollees an opportunity to participate in matters of program content through the establishment of advisory panels, by the use of advisory referenda on major policy decisions or through the use of other mechanisms. In addition there shall be a provider advisory board to advise the health plan in the matter of quality of care. There shall be a joint board of consumers and providers to advise on consumer satisfaction.
Nev. Rev. Stat. § 686B.1767 — NV Code / Title 57 / Chapter 686B / Section 686B.1767
Prohibited acts by advisory organization
Status: in_force

An advisory organization shall not:

1. Compile or distribute recommendations concerning rates which include expenses, other than expenses to adjust losses or profit; or

2. File rates, supplementary rate information or supporting information on behalf of an insurer.
Nev. Rev. Stat. § 686A.120 — NV Code / Title 57 / Chapter 686A / Section 686A.120
Life insurance, annuities and health insurance: Exceptions to provisions limiting discrimination, rebates and use of securities as inducements
Status: in_force

1. Nothing in NRS 686A.100 , 686A.105 and 686A.110 shall be construed as including within the definition of discrimination or rebates any of the following practices: (a) In the case of any contract of life insurance or life annuity, paying bonuses to policyholders or otherwise abating their premiums in whole or in part out of surplus accumulated from nonparticipating insurance, provided that any such bonuses or abatement of premiums shall be fair and equitable to policyholders and for the best interests of the insurer and its policyholders. (b) In the case of life insurance policies issued on the debit plan, making allowance to policyholders who have continuously for a specified period made premium payments directly to an office of the insurer in an amount which fairly represents the saving in collection expense. (c) Readjusting the rate of premium for a group insurance policy based on the loss or expense experience thereunder, at the end of the first or any subsequent policy year of insurance thereunder, which may be made retroactive only for such policy year. (d) Reducing the premium rate for policies of large amounts, but not exceeding savings in issuance and administration expenses reasonably attributable to such policies as compared with policies of similar plan issued in smaller amounts. (e) Reducing the premium rates for life or health insurance policies or annuity contracts on salary savings, payroll deduction, preauthorized check, bank draft or similar plans in amounts reasonably commensurate with the savings made by the use of such plans. (f) Extending credit for the payment of any premium, and for which credit a reasonable rate of interest is charged and collected.

2. Nothing in NRS 686A.010 to 686A.310 , inclusive, shall be construed as including within the definition of securities as inducements to purchase insurance the selling or offering for sale, contemporaneously with life insurance, of mutual fund shares or face amount certificates of regulated investment companies under offerings registered with the Securities and Exchange Commission where such shares or such face amount certificates or such insurance may be purchased independently of and not contingent upon purchase of the other, at the same price and upon similar terms and conditions as where purchased independently.
Nev. Rev. Stat. § 692C.254 — NV Code / Title 57 / Chapter 692C / Section 692C.254
Form of notice; waiting period
Status: in_force

1. An acquisition to which the provisions of NRS 692C.252 apply is subject to an order issued pursuant to NRS 692C.258 unless: (a) The acquiring person files a notice of acquisition pursuant to this section; and (b) The waiting period specified in subsection 4 has expired.

2. The Commissioner shall prescribe the form of the notice required pursuant to subsection 1. A notice of acquisition filed pursuant to this section must include: (a) The information required by the NAIC relating to any market that, pursuant to subsection 5 of NRS 692C.252 , causes the acquisition not to be exempted from the provisions of this section; and (b) Any other material or information required by the Commissioner to determine whether or not the proposed acquisition, if consummated, would violate the provisions of NRS 692C.256 .

3. The information required pursuant to subsection 2 may include the opinion of an economist relating to the competitive effect of the acquisition on the business of insurance in this state if the opinion is accompanied by a summary of the education and experience of the economist and a statement indicating the ability of the economist to provide an informed opinion.

4. Except as otherwise provided in subsection 5, the waiting period for an acquisition required pursuant to subsection 1 begins on the date the Commissioner receives the notice filed pursuant to subsection 1 and ends on the expiration of 30 days after that date or on the expiration of a shorter period prescribed by the Commissioner, whichever is earlier.

5. Before the expiration of the waiting period specified in subsection 4, the Commissioner may, not more than once, require a person to submit additional information relating to the proposed acquisition. If the Commissioner requires the submission of additional information, the waiting period for the acquisition ends upon the expiration of 30 days after the Commissioner receives the additional information or upon the expiration of a shorter period prescribed by the Commissioner, whichever is earlier.
Nev. Rev. Stat. § 690B.480 — NV Code / Title 57 / Chapter 690B / Section 690B.480
Insurer not required to offer transportation network company insurance; authority of insurer to offer transportation network company insurance and charge additional premium; rights of insurer excluding transportation network company insurance coverage
Status: in_force

1. A policy of insurance for the operation of a motor vehicle required pursuant to NRS 485.185 or 485.186 , as appropriate, is not required to include transportation network company insurance. An insurer providing a policy which excludes transportation network company insurance does not have a duty to defend or indemnify a driver or monitored autonomous vehicle provider for any claim arising during any period in which the driver or monitored autonomous vehicle provider is logged into the digital network or software application service of the transportation network company, available to receive requests for transportation services or providing transportation services.

2. An insurer who provides a policy of insurance for the operation of a motor vehicle required pursuant to NRS 485.185 or 485.186 , as appropriate, may include transportation network company insurance in such a policy. An insurer may charge an additional premium for the inclusion of transportation network company insurance in such a policy.

3. An insurer who: (a) Defends or indemnifies a driver or monitored autonomous vehicle provider for a claim arising during any period in which the driver or monitored autonomous vehicle provider is logged into the digital network or software application service of the transportation network company, available to receive requests for transportation services or providing transportation services; and (b) Excludes transportation network company insurance from the policy of insurance for the operation of a motor vehicle provided to the driver or monitored autonomous vehicle provider, has the right of contribution against other insurers who provide coverage to the driver or monitored autonomous vehicle provider to satisfy the coverage required by NRS 690B.470 at the time of the loss.
Nev. Rev. Stat. § 695A.230 — NV Code / Title 57 / Chapter 695A / Section 695A.230
Terms and conditions of benefit contracts
Status: in_force

1. Every society authorized to do business in this state shall issue to each owner of a benefit contract a certificate specifying the amount of benefits provided thereby. The certificate, together with any riders or endorsements attached thereto, the laws of the society, the application for membership, the application for insurance and the declaration of insurability, if any, signed by the applicant, and all amendments to each thereof, constitute the agreement, as of the date of issuance, between the society and the member, and the certificate must so state. A copy of the application for insurance and the declaration of insurability, if any, must be endorsed upon or attached to the certificate.

2. All statements on an application for insurance are representations and not warranties. Any waiver of this provision is void.

3. Except with regard to contracts providing benefits payable in variable amounts, any changes, additions or amendments to the laws of the society duly made or enacted after the issuance of the certificate bind the owner and the beneficiaries, and govern and control the benefit contract as though the changes, additions or amendments were in force at the time of the application for insurance, except that no change, addition or amendment may destroy or diminish benefits which the society contracted to give the owner as of the date of issuance.

4. Any person upon whose life a benefit contract is issued before the person attains the age of majority is bound by the terms of the application and certificate and by all the laws and rules of the society as though the age of majority had been attained at the time of application.

5. Copies of any of the documents mentioned in this section, certified by the secretary or corresponding officer of the society, must be received in evidence of the terms and conditions thereof.

6. Except with regard to contracts providing benefits payable in variable amounts, a society shall provide in its laws that if its reserves as to all or any class of certificates become impaired, its supreme governing body or board of directors may require each owner of such certificates to pay to the society the amount of the owner’s equitable proportion of such deficiency as ascertained by its board, and that if the payment is not made, the owner may elect to: (a) Let it stand as an indebtedness against the certificate and draw interest at a rate not to exceed that specified for loans made pursuant to the certificates; or (b) In lieu of, or in combination with paragraph (a), accept a proportionate reduction in benefits under the certificate. The society may specify the manner of the election and which alternative is to be presumed if no election is made by the owner.
Nev. Rev. Stat. § 687B.693 — NV Code / Title 57 / Chapter 687B / Section 687B.693
Access to services and contractual discounts of a provider of health care: Inapplicability of provisions
Status: in_force

NRS 687B.693 to 687B.697 , inclusive, do not apply:

1. To provider network contracts for health care services provided to covered persons under Medicare or the State Plan for Medicaid, or the Children's Health Insurance Program.

2. In circumstances where access to the provider network contract is granted to an entity operating under the same brand license program as the contracting entity.

3. To a health benefit plan which provides: (a) Coverage that is only for accident or disability income insurance, or any combination thereof. (b) Coverage issued as a supplement to liability insurance. (c) Coverage for on-site medical clinics. (d) Coverage under a blanket student accident and health insurance policy. (e) Other similar insurance coverage specified pursuant to the Health Insurance Portability and Accountability Act of 1996, Public Law 104-191 , under which benefits for medical care are secondary or incidental to other insurance benefits.

4. To credit insurance.

5. To the following benefits if the benefits are provided under a separate policy, certificate or contract of insurance or are otherwise not an integral part of a health benefit plan: (a) Limited-scope vision benefits; (b) Benefits for long-term care, nursing home care, home health care or community-based care, or any combination thereof; and (c) Such other similar benefits as are specified in any federal regulations adopted pursuant to the Health Insurance Portability and Accountability Act of 1996, Public Law 104-191.

6. To the following benefits if the benefits are provided under a separate policy, certificate or contract, there is no coordination between the provisions of the benefits and any exclusion of benefits under any group health plan maintained by the same plan sponsor, and the benefits are paid for a claim without regard to whether benefits are provided for such a claim under any group health plan maintained by the same plan sponsor: (a) Coverage that is only for a specified disease or illness; and (b) Hospital indemnity or other fixed indemnity insurance.

7. To any of the following, if offered as a separate policy, certificate or contract of insurance: (a) Medicare supplemental health insurance as defined in section 1882(g)(1) of the Social Security Act, 42 U.S.C. § 1395ss , as that section existed on July 16, 1997; (b) Coverage supplemental to the coverage provided pursuant to the Civilian Health and Medical Program of Uniformed Services, TRICARE, 10 U.S.C. §§ 1071 et seq. ; and (c) Similar supplemental coverage provided under a group health plan.
Nev. Rev. Stat. § 687B.850 — NV Code / Title 57 / Chapter 687B / Section 687B.850
Regulations
Status: in_force

The Commissioner may adopt any regulations necessary to carry out the purposes and provisions of NRS 687B.600 to 687B.850 , inclusive.
Nev. Rev. Stat. § 682A.223 — NV Code / Title 57 / Chapter 682A / Section 682A.223
“Warrant” defined
Status: in_force

“ Warrant ” means an instrument that:

1. Gives the holder the right to purchase an underlying financial instrument at a given price and time or at a series of prices and times outlined in the warrant agreement; and

2. Is issued alone or in connection with the sale of other securities, including, without limitation, as part of a merger or recapitalization agreement, or to facilitate the divestiture of the securities of another business entity.
Nev. Rev. Stat. § 693A.300 — NV Code / Title 57 / Chapter 693A / Section 693A.300
Conversion to ordinary business corporation
Status: in_force

1. A domestic stock insurer may convert to a Nevada ordinary business corporation through the following procedures: (a) The insurer must give the Commissioner written notice of its intent to convert to an ordinary business corporation. (b) The insurer must bulk reinsure all of its insurance in force, if any, with another authorized insurer under a bulk reinsurance agreement approved by the Commissioner as provided in NRS 693A.370 . The agreement of bulk reinsurance may be made contingent upon approval of the stockholders as provided in paragraph (d). (c) The insurer must set aside in a special reserve funds in such amount and subject to such administration as may be found by the Commissioner to be adequate and reasonable for the purpose, for payment of all obligations, if any, of the insurer incurred by it under its insurance contracts prior to the effective date of such bulk reinsurance, and remaining unpaid, or make other reasonable disposition satisfactory to the Commissioner for such payment. (d) The proposed conversion must be approved by an affirmative vote of not less than two-thirds of each class of the outstanding securities of the insurer having voting rights, at a special meeting of holders of such securities called for the purpose, and at such meeting and by a like vote the articles of incorporation of the corporation must be amended to remove therefrom the power to transact an insurance business as an insurer and to provide for such new powers and purposes as may be consistent with the purposes for which the corporation is thereafter to exist. (e) Security holders of the corporation who dissent from such proposed conversion shall have the same applicable rights as exist under the general corporation laws of this state with respect to a dissent from a proposed merger of the corporation. (f) Upon compliance with paragraphs (a) to (d), inclusive, and upon filing of the amendment of the articles of incorporation as required by law, the conversion shall thereupon become effective.

2. An insurer which has once converted to an ordinary business corporation shall not have the power thereafter to convert to an insurer.
Nev. Rev. Stat. § 686B.115 — NV Code / Title 57 / Chapter 686B / Section 686B.115
Hearing on rates open to public; cost for transcripts; public testimony
Status: in_force

1. Any hearing held by the Commissioner to determine whether rates comply with the provisions of NRS 686B.010 to 686B.1799 , inclusive, must be open to members of the public.

2. All costs for transcripts prepared pursuant to such a hearing must be paid by the insurer requesting the hearing.

3. At any hearing which is held by the Commissioner to determine whether rates comply with the provisions of NRS 686B.010 to 686B.1799 , inclusive, and which involves rates for insurance covering the liability of a practitioner licensed pursuant to chapter 630, 631, 632 or 633 of NRS for a breach of the practitioner's professional duty toward a patient, if a person is not otherwise authorized pursuant to this title to become a party to the hearing by intervention, the person is entitled to provide testimony at the hearing if, not later than 2 days before the date set for the hearing, the person files with the Commissioner a written statement which states: (a) The name and title of the person; (b) The interest of the person in the hearing; and (c) A brief summary describing the purpose of the testimony the person will offer at the hearing.

4. If a person provides testimony at a hearing in accordance with subsection 3: (a) The Commissioner may, if the Commissioner finds it necessary to preserve order, prevent inordinate delay or protect the rights of the parties at the hearing, place reasonable limitations on the duration of the testimony and prohibit the person from providing testimony that is not relevant to the issues raised at the hearing. (b) The Commissioner shall consider all relevant testimony provided by the person at the hearing in determining whether the rates comply with the provisions of NRS 686B.010 to 686B.1799 , inclusive.
Nev. Rev. Stat. § 692B.250 — NV Code / Title 57 / Chapter 692B / Section 692B.250
Voluntary dissolution
Status: in_force

1. At any time prior to the issuance of a certificate of authority to a proposed domestic stock or mutual insurer, the incorporators may voluntarily surrender the articles of incorporation and the corporation may be voluntarily dissolved by written agreement filed with the Commissioner. The agreement shall be signed and verified by a majority of the incorporators, and shall be signed (without verification) by at least two-thirds of all persons who theretofore have become subscribers to or purchasers of securities of the corporation and (in the case of a proposed mutual insurer) by at least two-thirds of all persons who theretofore have applied for policies in the proposed insurer.

2. The Commissioner shall approve the surrender of such articles of incorporation and dissolution if upon investigation the Commissioner finds that: (a) No insurance business has been transacted by the corporation except (in the case of a proposed mutual insurer) for solicitation of qualifying applications for insurance; (b) Arrangements satisfactory to the Commissioner have been made for the return to subscribers, purchasers and applicants of all funds paid by them upon subscription or purchase of securities, or upon applications for insurance, under the solicitation permit theretofore held by the corporation, less (as to securities subscriptions and purchases) the part thereof actually and lawfully used for expenses; and (c) All obligations of the corporation have been paid or discharged.

3. The articles of incorporation so surrendered, together with the executed copy of the agreement, bearing thereon the endorsed approval of the Commissioner, shall be filed with the Secretary of State and thereupon the corporate existence of the corporation shall cease.

4. The provisions of NRS 696B.210 and 696B.220 (grounds for rehabilitation, liquidation of domestic insurer) do not apply to the voluntary dissolution of a proposed domestic insurer pursuant to this section.
Nev. Rev. Stat. § 689A.530 — NV Code / Title 57 / Chapter 689A / Section 689A.530
“Governmental plan” defined
Status: in_force

“Governmental plan” has the meaning ascribed to it in section 3(32) of the Employee Retirement Income Security Act of 1974, as that section existed on July 16, 1997, and any health plan of the Federal Government.
Nev. Rev. Stat. § 695A.240 — NV Code / Title 57 / Chapter 695A / Section 695A.240
Approval and contents of certificates
Status: in_force

1. No certificate may be delivered or issued for delivery in this state unless a copy of the form of the certificate has been filed with and approved by the Commissioner in conformity with the requirements of NRS 687B.120 .

2. The certificate must contain: (a) A provision stating the amount of premiums which are payable under the certificate; (b) A provision setting forth the society's laws or rules which, if violated, will result in the termination or reduction of benefits payable under the certificate; (c) If the laws of the society provide for the expulsion or suspension of a member, a provision that any member who is expelled or suspended, except for nonpayment of a premium or, during the period of contestability, for material misrepresentation in the application for membership or insurance, may maintain the certificate in force by continuing payment of the required premium; and (d) All standard contractual provisions which are required by the provisions of chapters 687B, 688A, 688B, 689, 689A and 689B of NRS to be included in similar policies issued by life or health insurers in this state, and which are not inconsistent with the provisions of this chapter.

3. The certificate may contain: (a) A provision that the member is entitled to a grace period of 1 month in which the payment of any premium after the first may be made. (b) For a benefit contract issued on the life of a person under the society's minimum age for membership as an adult, a provision governing the transfer of ownership to the insured at an age specified in the certificate. A society may require approval of an application for membership in order to make the transfer, and may provide for the regulation, government and control of such a certificate and all rights, obligations and liabilities incident to the certificate, including rights of ownership before the transfer. (c) The terms and conditions governing the assignability of the benefit contract.
Nev. Rev. Stat. § 689A.04044 — NV Code / Title 57 / Chapter 689A / Section 689A.04044
Policy covering prescription drugs: Required actions by insurer related to acquisition of prescription drugs for certain insureds residing in area for which emergency or disaster has been declared
Status: in_force

1. If the Governor or the Legislature proclaims the existence of a state of emergency or issues a declaration of disaster pursuant to NRS 414.070 , an insurer who has issued a policy of health insurance which provides coverage for prescription drugs shall, notwithstanding any provision of the policy to the contrary: (a) Waive any provision of the policy restricting the time within which an insured may refill a covered prescription if the insured: (1) Has not exceeded the number of refills authorized by the prescribing practitioner; (2) Resides in the area for which the emergency or disaster has been declared; and (3) Requests the refill not later than the end of the state of emergency or disaster or 30 days after the issuance of the proclamation or declaration, whichever is later; and (b) Authorize payment for, and may apply a copayment, coinsurance or deductible to, a supply of a covered prescription drug for up to 30 days for an insured who resides in the area for which the emergency or disaster has been declared.

2. The Commissioner may extend the time periods prescribed by subsection 1 in increments of 15 or 30 days as he or she determines to be necessary.

3. As used in this section, “practitioner” has the meaning ascribed to it in NRS 639.0125 .
Nev. Rev. Stat. § 691C.220 — NV Code / Title 57 / Chapter 691C / Section 691C.220
“Reverse competition” defined
Status: in_force

“ Reverse competition ” means competition among insurers that regularly takes the form of insurers competing for the favor of a person who controls or may control the placement of insurance with insurers that tends to increase insurance premiums or prevents a decrease in insurance premiums in order to give greater compensation to a person who controls or may control the placement of insurance with insurers.
Nev. Rev. Stat. § 683A.078 — NV Code / Title 57 / Chapter 683A / Section 683A.078
“Uniform application” defined
Status: in_force

“ Uniform application ” means the uniform application for licensing of producers of insurance prepared by the National Association of Insurance Commissioners and adopted by the Commissioner.
Nev. Rev. Stat. § 681A.145 — NV Code / Title 57 / Chapter 681A / Section 681A.145
Regulations governing arrangements for reinsurance relating to life and health insurance and annuity products
Status: in_force

1. The Commissioner may adopt regulations applicable to arrangements for reinsurance relating to: (a) Life insurance policies with guaranteed non-level gross premiums or guaranteed non-level benefits; (b) Universal life insurance policies with provisions resulting in the ability of a policyholder to keep a policy in force over a secondary guarantee period; (c) Variable annuities with guaranteed death or living benefits; (d) Policies for long-term care insurance; or (e) Such other life and health insurance and annuity products as to which the National Association of Insurance Commissioners adopts model regulatory requirements with respect to credit for reinsurance.

2. A regulation adopted pursuant to this section may require the ceding insurer, in calculating the amounts or forms of security required to be held pursuant to regulations adopted pursuant to this section, to use the Valuation Manual , as defined in NRS 681B.0071 , which is in effect on the date as of which the calculation is made, to the extent applicable.

3. A regulation adopted pursuant to this section must not apply to a cession to an assuming insurer that: (a) Meets the conditions set forth in NRS 681A.211 to 681A.2165 , inclusive, in this State or is operating in accordance with provisions substantially equivalent to NRS 681A.211 to 681A.217 , inclusive, in five or more other states; (b) Is certified in this State or, if this State has not adopted regulations which provide for an assuming insurer to satisfy the requirements of NRS 681A.155 for credit to be allowed, certified in a minimum of five other states; or (c) Maintains at least $250,000,000 in capital and surplus when determined in accordance with the Accounting Practices and Procedures Manual adopted by the National Association of Insurance Commissioners, as amended, excluding the impact of any permitted or prescribed practices, and: (1) Is licensed in at least 26 states; or (2) Is licensed in at least 10 states, and licensed or accredited in at least 35 states.
Nev. Rev. Stat. § 689A.044 — NV Code / Title 57 / Chapter 689A / Section 689A.044
Coverage for certain tests and vaccines relating to human papillomavirus required; prohibited acts
Status: in_force

1. A policy of health insurance must provide coverage for benefits payable for expenses incurred for: (a) Deoxyribonucleic acid testing for high-risk strains of human papillomavirus every 3 years for women 30 years of age or older; and (b) Administering the human papillomavirus vaccine as recommended for vaccination by a competent authority, including, without limitation, the Centers for Disease Control and Prevention of the United States Department of Health and Human Services, the Food and Drug Administration or the manufacturer of the vaccine.

2. An insurer must ensure that the benefits required by subsection 1 are made available to an insured through a provider of health care who participates in the network plan of the insurer.

3. Except as otherwise provided in subsection 5, an insurer that offers or issues a policy of health insurance shall not: (a) Require an insured to pay a higher deductible, any copayment or coinsurance or require a longer waiting period or other condition to obtain any benefit provided in the policy of health insurance pursuant to subsection 1; (b) Refuse to issue a policy of health insurance or cancel a policy of health insurance solely because the person applying for or covered by the policy uses or may use any such benefit; (c) Offer or pay any type of material inducement or financial incentive to an insured to discourage the insured from obtaining any such benefit; (d) Penalize a provider of health care who provides any such benefit to an insured, including, without limitation, reducing the reimbursement of the provider of health care; (e) Offer or pay any type of material inducement, bonus or other financial incentive to a provider of health care to deny, reduce, withhold, limit or delay access to any such benefit to an insured; or (f) Impose any other restrictions or delays on the access of an insured to any such benefit.

4. A policy subject to the provisions of this chapter which is delivered, issued for delivery or renewed on or after January 1, 2018, has the legal effect of including the coverage required by subsection 1, and any provision of the policy or the renewal which is in conflict with this section is void.

5. Except as otherwise provided in this section and federal law, an insurer may use medical management techniques, including, without limitation, any available clinical evidence, to determine the frequency of or treatment relating to any benefit required by this section or the type of provider of health care to use for such treatment.

6. As used in this section: (a) “ Human papillomavirus vaccine ” means the Quadrivalent Human Papillomavirus Recombinant Vaccine or its successor which is approved by the Food and Drug Administration for the prevention of human papillomavirus infection and cervical cancer. (b) “ Medical management technique ” means a practice which is used to control the cost or utilization of health care services or prescription drug use. The term includes, without limitation, the use of step therapy, prior authorization or categorizing drugs and devices based on cost, type or method of administration. (c) “ Network plan ” means a policy of health insurance offered by an insurer under which the financing and delivery of medical care, including items and services paid for as medical care, are provided, in whole or in part, through a defined set of providers under contract with the insurer. The term does not include an arrangement for the financing of premiums. (d) “Provider of health care” has the meaning ascribed to it in NRS 629.031 .
Nev. Rev. Stat. § 695B.1914 — NV Code / Title 57 / Chapter 695B / Section 695B.1914
Required provision concerning coverage of certain gynecological and obstetrical services without authorization or referral from primary care physician
Status: in_force

1. A contract for hospital or medical service must include a provision authorizing a woman covered by the contract to obtain covered gynecological or obstetrical services without first receiving authorization or a referral from her primary care physician.

2. The provisions of this section do not authorize a woman covered by a contract for hospital or medical service to designate an obstetrician or gynecologist as her primary care physician.

3. A contract subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after October 1, 1999, has the legal effect of including the coverage required by this section, and any provision of the contract or the renewal which is in conflict with this section is void.

4. As used in this section, “primary care physician” has the meaning ascribed to it in NRS 695G.060 .
Nev. Rev. Stat. § 689C.335 — NV Code / Title 57 / Chapter 689C / Section 689C.335
Approval or denial of claims; payment of claims and interest; requests for additional information; award of costs and attorney's fees; compliance with requirements; imposition of administrative fine or suspension or revocation of certificate of authority for failure to comply
Status: in_force

1. Except as otherwise provided in subsection 2 and NRS 439B.754 , a carrier serving small employers and a carrier that offers a contract to a voluntary purchasing group shall approve or deny a claim relating to a policy of health insurance within 30 days after the carrier receives the claim. If the claim is approved, the carrier shall pay the claim within 30 days after it is approved. Except as otherwise provided in this section, if the approved claim is not paid within that period, the carrier shall pay interest on the claim at a rate of interest equal to the prime rate at the largest bank in Nevada, as ascertained by the Commissioner of Financial Institutions, on January 1 or July 1, as the case may be, immediately preceding the date on which the payment was due, plus 6 percent. The interest must be calculated from 30 days after the date on which the claim is approved until the date on which the claim is paid.

2. If the carrier requires additional information to determine whether to approve or deny the claim, it shall notify the claimant of its request for the additional information within 20 days after it receives the claim. The carrier shall notify the provider of health care of all the specific reasons for the delay in approving or denying the claim. The carrier shall approve or deny the claim within 30 days after receiving the additional information. If the claim is approved, the carrier shall pay the claim within 30 days after it receives the additional information. If the approved claim is not paid within that period, the carrier shall pay interest on the claim in the manner prescribed in subsection 1.

3. A carrier shall not request a claimant to resubmit information that the claimant has already provided to the carrier, unless the carrier provides a legitimate reason for the request and the purpose of the request is not to delay the payment of the claim, harass the claimant or discourage the filing of claims.

4. A carrier shall not pay only part of a claim that has been approved and is fully payable.

5. A court shall award costs and reasonable attorney's fees to the prevailing party in an action brought pursuant to this section.

6. The payment of interest provided for in this section for the late payment of an approved claim may be waived only if the payment was delayed because of an act of God or another cause beyond the control of the carrier.

7. The Commissioner may require a carrier to provide evidence which demonstrates that the carrier has substantially complied with the requirements set forth in this section, including, without limitation, payment within 30 days of at least 95 percent of approved claims or at least 90 percent of the total dollar amount for approved claims.

8. If the Commissioner determines that a carrier is not in substantial compliance with the requirements set forth in this section, the Commissioner may require the carrier to pay an administrative fine in an amount to be determined by the Commissioner. Upon a second or subsequent determination that a carrier is not in substantial compliance with the requirements set forth in this section, the Commissioner may suspend or revoke the certificate of authority of the carrier.
Nev. Rev. Stat. § 679A.085 — NV Code / Title 57 / Chapter 679A / Section 679A.085
“Division” defined
Status: in_force

“Division” means the Division of Insurance of the Department of Business and Industry.
Nev. Rev. Stat. § 691E.020 — NV Code / Title 57 / Chapter 691E / Section 691E.020
“Aggregator site” defined
Status: in_force

“ Aggregator site ” means an Internet website that provides access to information regarding insurance products from more than one insurer, including, without limitation, information about the insurance products and the insurers offering the insurance products, for use in comparison shopping.
Nev. Rev. Stat. § 693A.655 — NV Code / Title 57 / Chapter 693A / Section 693A.655
Regulations and orders of Commissioner
Status: in_force

The Commissioner may adopt such regulations and issue such orders as the Commissioner determines are necessary to carry out the provisions of NRS 693A.550 to 693A.665 , inclusive.
Nev. Rev. Stat. § 686A.180 — NV Code / Title 57 / Chapter 686A / Section 686A.180
Service of process upon unauthorized insurers
Status: in_force

1. Service of all process, statements of charges and notices under NRS 686A.010 to 686A.310 , inclusive, upon unauthorized insurers shall be made by delivering to and leaving with the Commissioner or some person in apparent charge of the office of the Commissioner two copies thereof, or in the manner provided for by subsection 2 of NRS 685B.050 (service of process).

2. The Commissioner shall forward all such process, statements of charges and notices to the insurer in the manner provided in subsection 3 of NRS 685B.050 .

3. No default shall be taken against any such unauthorized insurer until expiration of 30 days after the date of forwarding by the Commissioner under subsection 2, or date of service of process if under subsection 2 of NRS 685B.050 .

4. NRS 685B.050 applies to all process, statements of charges and notices under this section.
Nev. Rev. Stat. § 690B.025 — NV Code / Title 57 / Chapter 690B / Section 690B.025
Primary and excess coverage; garage operator who loans vehicle to customer required to provide notice to customer regarding coverage; modification of provision by written agreement; applicability
Status: in_force

1. If two or more policies of liability insurance covering the same motor vehicle are in effect when the motor vehicle is involved in an incident which results in a claim against the policies: (a) If the motor vehicle was being operated by a person engaged in the business of selling, repairing, servicing, delivering, testing, road testing, parking or storing motor vehicles, or by an agent or employee of the person while in pursuit of that business, the policy issued to that business shall be deemed to be primary and any other policy shall be deemed to provide excess coverage. (b) If the motor vehicle was being operated by a person described in paragraph (a) in any pursuit other than of that business, or by some other person, the policy issued to the operator of the vehicle shall be deemed to be primary and any policy issued to the business shall be deemed to provide excess coverage. (c) If, while the vehicle of the customer was being repaired or serviced in the bailment of a garage operator engaged in the business of repairing or servicing motor vehicles, the customer is lent by the garage operator a motor vehicle for use during the time required to complete the repairs or service, the policy issued to the customer shall be deemed to be primary and all other policies shall be deemed to provide excess coverage. A garage operator engaged in the business of repairing or servicing motor vehicles who loans a customer a vehicle for use during the time required to complete the repairs or service shall provide express notice to the customer that the customer's policy of insurance will provide primary coverage while the customer is operating that vehicle.

2. The provisions in subsection 1 may be modified but only by a written agreement signed by all the insurers who have issued policies applicable to a claim described in subsection 1 and by all the insureds under those policies.

3. This section applies only to policies of liability insurance issued or renewed on or after July 1, 1981.
Nev. Rev. Stat. § 686B.220 — NV Code / Title 57 / Chapter 686B / Section 686B.220
Nevada Essential Insurance Association: Membership and reimbursement of Board of Directors; submission to and approval or adoption of plan of operation by Commissioner
Status: in_force

1. The administrative powers of the Nevada Essential Insurance Association shall be vested in a Board of Directors consisting of not less than five nor more than nine members serving terms as established in the plan of organization. The members of the Board shall be appointed by the Commissioner with due consideration given to the composition of the membership of the Association and to the interests of the insureds who are provided essential insurance coverage by the Association.

2. Members of the Board may be reimbursed from the assets of the Association for expenses incurred by them as members of the Board of Directors and for reasonable and equitable compensation as may be prescribed by the terms of the plan of organization.

3. The Board of Directors of the Association shall submit to the Commissioner a plan of organization for the Association and make suitable or necessary amendments thereto to assure the fair, reasonable and equitable administration of the Association. The plan of operation shall become effective upon approval in writing by the Commissioner.

4. If the Association fails to submit a suitable plan of operation within a reasonable period of time, or if at any time thereafter the Association fails to submit suitable amendments to the plan, the Commissioner shall promulgate a plan as necessary or advisable to effectuate the provisions of this section.
Nev. Rev. Stat. § 686A.450 — NV Code / Title 57 / Chapter 686A / Section 686A.450
Permissible charges: Late payment; returned check; collection costs or attorney's fees
Status: in_force

1. A company shall not impose or collect a fee or charge which is not authorized by this section.

2. An agreement may provide for a charge for any late payment of an installment of not less than $1 and not more than 5 percent of the installment.

3. A company may collect a fee of not more than $15 for each check returned to the company because the insured had insufficient money or credit with the drawee to pay the check or because the insured stopped payment on the check.

4. An agreement may provide for payment of collection costs or attorney's fees, equal to 20 percent of the outstanding indebtedness if the agreement is referred for collection to a collection agency or attorney who is not an employee of the company.
Nev. Rev. Stat. § 694C.110 — NV Code / Title 57 / Chapter 694C / Section 694C.110
“Parent” defined
Status: in_force

“ Parent ” means a corporation, limited-liability company, partnership, association or other form of business organization that directly or indirectly owns, controls or holds with power to vote more than 50 percent of the outstanding voting securities of:

1. A pure captive insurer organized as a stock corporation; or

2. The membership of a pure captive insurer organized as a nonprofit corporation.