Nev. Rev. Stat. § 681B.260 — NV Code / Title 57 / Chapter 681B / Section 681B.260
Confidentiality of documents, material and other information provided by insurer to Commissioner; applicability
Status: in_force

1. Except as otherwise provided in this section and NRS 239.0115 , 681B.400 , 681B.410 and 681B.420 , any documents and other material or information provided by an insurer to the Commissioner, which constitute a memorandum in support of an opinion, and any other material provided to the Commissioner in connection with such a memorandum, must be kept confidential by the Commissioner, is not open to the public, and is not subject to subpoena, except for the purpose of defending an action seeking damages from any person by reason of any action required by NRS 681B.200 to 681B.260 , inclusive, or by any regulation adopted under those sections.

2. A memorandum or other material may be released by the Commissioner with the written consent of the insurer or to the American Academy of Actuaries or its successor organization upon request stating that the memorandum or other material is required for the purpose of professional disciplinary proceedings and setting forth procedures satisfactory to the Commissioner for preserving the confidentiality of the memorandum or other material.

3. If any portion of a confidential memorandum is cited by the insurer in its marketing or is cited before any governmental agency other than a state commissioner of insurance or is released by an insurer to the public, all portions of the memorandum are no longer confidential.

4. The Commissioner may use the documents, materials and other information described in this section in the furtherance of any regulatory or legal action brought as part of the Commissioner's official duties.

5. Neither the Commissioner nor any other person in receipt of documents, materials or other information obtained while acting under the authority of the Commissioner may be permitted or required to testify in any private civil action concerning any confidential documents, materials or information subject to this section.

6. No waiver of any applicable privilege or claim of confidentiality in the documents, materials or other information described in this section shall occur as a result of disclosure to the Commissioner pursuant to this section or as a result of sharing as authorized in subsection 8 of NRS 679B.190 .

7. A memorandum in support of an opinion, and any other material provided by the applicable company or insurer to the Commissioner in connection with the memorandum, may be subject to subpoena for the purpose of defending an action seeking damages from the actuary submitting the memorandum by reason of an action required by this section.

8. Except as otherwise provided in NRS 681B.310 , the provisions of this section apply only before the operative date of the Valuation Manual .
Nev. Rev. Stat. § 689.115 — NV Code / Title 57 / Chapter 689 / Section 689.115
“Sales commission” defined
Status: in_force

“ Sales commission ” means that portion of the purchase price paid to or retained by the seller as compensation in connection with the sale of a prepaid contract.
Nev. Rev. Stat. § 692C.404 — NV Code / Title 57 / Chapter 692C / Section 692C.404
Liability of person who controlled insurer or affiliate at time distributions were paid or declared
Status: in_force

1. A person who was a parent corporation or holding company, or a person who otherwise controlled the insurer or affiliate, at the time the distributions were paid is liable up to the amount of distributions or payments the person received. Any person who otherwise controlled the insurer at the time the distributions were declared is liable up to the amount of distributions the person would have received if they had been paid immediately. If two or more persons are liable with respect to the same distributions, they are jointly and severally liable.

2. The maximum amount recoverable under this section and NRS 692C.402 is the amount needed in excess of all other available assets of the impaired or insolvent insurer to pay the contractual obligations of the impaired or insolvent insurer and to reimburse any guaranty funds.

3. To the extent that any person liable under this section is insolvent or otherwise fails to pay claims due from it pursuant to this section, its parent corporation or holding company, or person who otherwise controlled it, at the time the distribution was paid is jointly and severally liable for any resulting deficiency in the amount recovered from the parent corporation or holding company, or person who otherwise controlled the insurer.
Nev. Rev. Stat. § 683A.451 — NV Code / Title 57 / Chapter 683A / Section 683A.451
Authority of Commissioner; grounds for action
Status: in_force

The Commissioner may refuse to issue a license or certificate pursuant to this chapter or may place any person to whom a license or certificate is issued pursuant to this chapter on probation, suspend the person for not more than 12 months, or revoke or refuse to renew his or her license or certificate, or may impose an administrative fine or take any combination of the foregoing actions, for one or more of the following causes:

1. Providing incorrect, misleading, incomplete or partially untrue information in his or her application for a license.

2. Violating a law regulating insurance, or violating a regulation, order or subpoena of the Commissioner or an equivalent officer of another state.

3. Obtaining or attempting to obtain a license through misrepresentation or fraud.

4. Misappropriating, converting or improperly withholding money or property received in the course of the business of insurance.

5. Intentionally misrepresenting the terms of an actual or proposed contract of or application for insurance.

6. Conviction of a felony or a crime which involves theft, fraud, dishonesty or moral turpitude.

7. Admitting or being found to have committed an unfair trade practice or fraud.

8. Using fraudulent, coercive or dishonest practices, or demonstrated incompetence, untrustworthiness or financial irresponsibility in the conduct of business, or otherwise, in this State or elsewhere.

9. Denial, suspension or revocation of a license as a producer of insurance, or its equivalent, in any other state, territory or province.

10. Forging another's name to an application for insurance or any other document relating to the transaction of insurance.

11. Improperly using notes or other reference material to complete an examination for a license related to insurance.

12. Knowingly accepting business related to insurance from an unlicensed person.

13. Failing to comply with an administrative or judicial order imposing an obligation of child support.

14. Failing to pay a tax as required by law.
Nev. Rev. Stat. § 695C.120 — NV Code / Title 57 / Chapter 695C / Section 695C.120
Powers of health maintenance organization
Status: in_force

The powers of a health maintenance organization include, but are not limited to, the following:

1. The purchase, lease, construction, renovation, operation or maintenance of hospitals, medical facilities, or both, and their ancillary equipment, and such property as may reasonably be required for its principal office or for such other purposes as may be necessary in the transaction of the business of the organization;

2. The making of loans to a medical group under contract with it in furtherance of its program or the making of loans to a corporation under its control for the purpose of acquiring or constructing medical facilities and hospitals or in furtherance of a program providing health care services to enrollees;

3. The furnishing of health care service through providers which are under contract with or employed by the health maintenance organization;

4. The contracting with any person for the performance on its behalf of certain functions such as marketing, enrollment and administration; and

5. The contracting with an insurance company licensed in this state or authorized to do business in this state for the provision of such insurance, indemnity, or reimbursement against the cost of health care services provided by the health maintenance organization.
Nev. Rev. Stat. § 679A.090 — NV Code / Title 57 / Chapter 679A / Section 679A.090
“Domestic,” “foreign” and “alien” insurer defined
Status: in_force

1. A “domestic” insurer is one: (a) Formed under the laws of Nevada, unless it has converted into a foreign insurer; or (b) Which has converted into a domestic insurer.

2. A “foreign” insurer is one: (a) Formed under the laws of any jurisdiction other than this state, unless it has converted into a domestic insurer; or (b) Which has converted into a foreign insurer.

3. An “alien” insurer is one formed under the laws of any country other than the United States of America or any of its states.

4. Except where distinguished by context, “foreign” insurer includes also “alien” insurer.
Nev. Rev. Stat. § 680A.530 — NV Code / Title 57 / Chapter 680A / Section 680A.530
Applicability
Status: in_force

The provisions of NRS 680A.500 to 680A.600 , inclusive:

1. Do not apply to a notice or other document delivered by an insurer in an electronic form before October 1, 2017, to a party who consented before that date to receive the notice or other document in an electronic form which was authorized by law at the time of delivery; and

2. Shall not be construed to affect any other provision of law relating to the content or timing of delivery of any notice or other document.
Nev. Rev. Stat. § 695B.300 — NV Code / Title 57 / Chapter 695B / Section 695B.300
Contracts with agencies or political subdivisions of United States or State of Nevada; acceptance of money; subcontracts
Status: in_force

Any nonprofit hospital or medical or dental service corporation organized and created under the provisions of this chapter and engaged in the operation of a hospital or medical or dental service plan may contract, without regard to the limitations in respect to contracts imposed by this chapter, with any agency, instrumentality or political subdivision of the United States of America or of the State of Nevada for the furnishing of hospital or medical or dental service and care and, in aid or furtherance of such contract, may accept, receive and administer, in trust, funds directly or indirectly made available by such agency, instrumentality or political subdivision. Any such nonprofit hospital or medical or dental service corporation may subcontract with any organization which has contracted with any agency, instrumentality or political subdivision of the United States of America or of the State of Nevada for the furnishing of medical, dental and hospital services, by which subcontract such hospital or medical or dental service corporation undertakes to furnish the hospital or medical or dental services required by the basic contract.
Nev. Rev. Stat. § 691C.150 — NV Code / Title 57 / Chapter 691C / Section 691C.150
“Gross debt” defined
Status: in_force

“ Gross debt ” means the sum of the remaining payments owed to a creditor by a debtor.
Nev. Rev. Stat. § 686B.1764 — NV Code / Title 57 / Chapter 686B / Section 686B.1764
Designation as statistical agent; duties
Status: in_force

The Commissioner shall designate one licensed advisory organization to act as the Commissioner’s statistical agent and to assist the Commissioner in compiling relevant statistical information. The designation must be made pursuant to reasonable competitive bidding procedures established by the Commissioner. The Advisory Organization shall:

1. Provide reliable statistics for industrial insurance.

2. Collect and tabulate information and statistics in a Uniform Statistical Plan, to be approved and used by the Commissioner.

3. Formulate a manual of rules reasonably related to the recording and reporting of data according to the Uniform Statistical Plan, Uniform Plan for Rating Experience and the Uniform System of Classification, and present the proposed manual to the Commissioner for approval.
Nev. Rev. Stat. § 689C.350 — NV Code / Title 57 / Chapter 689C / Section 689C.350
Health benefit plan which offers difference of payment between preferred providers of health care and providers who are not preferred: Limitations on deductibles and copayments; circumstances in which service is deemed to be provided by preferred provider
Status: in_force

A health benefit plan which offers a difference of payment between preferred providers of health care and providers of health care who are not preferred:

1. Must require that the deductible and payment for coinsurance paid by the insured to a preferred provider of health care be applied to the negotiated reduced rates of that provider.

2. Must provide that if there is a particular service which a preferred provider of health care does not provide and the provider of health care who is treating the insured requests the service and the insurer determines that the use of the service is necessary for the health of the insured, the service shall be deemed to be provided by the preferred provider of health care.
Nev. Rev. Stat. § 695G.330 — NV Code / Title 57 / Chapter 695G / Section 695G.330
Provision of health care services to recipients of Medicaid: Coverage for antipsychotic or anticonvulsant medication that is not on list of preferred prescription drugs required upon failure of drug on list to treat condition
Status: in_force

A managed care organization that provides health care services to recipients of Medicaid under the State Plan for Medicaid pursuant to a contract with the Division of Health Care Financing and Policy of the Department of Health and Human Services shall automatically cover any typical or atypical antipsychotic medication or anticonvulsant medication that is not on the list of preferred prescription drugs developed pursuant to NRS 422.4025 upon the demonstrated therapeutic failure of one drug on that list to adequately treat the condition of a recipient of Medicaid.
Nev. Rev. Stat. § 682A.438 — NV Code / Title 57 / Chapter 682A / Section 682A.438
Securities lending, repurchase, reverse repurchase and dollar roll transactions
Status: in_force

An insurer may enter into securities lending, repurchase, reverse repurchase and dollar roll transactions with business entities, subject to the following requirements:

1. The insurer's board of directors shall adopt a written plan that is consistent with the requirements of the written plan in NRS 682A.365 which specifies the guidelines and objectives to be followed, including, without limitation: (a) A description of how cash received will be invested or used for general corporate purposes of the insurer; (b) Operational procedures to manage interest rate risk, counterparty default risk, the conditions under which proceeds from reverse repurchase transactions may be used in the ordinary course of business and the use of acceptable collateral in a manner that reflects the liquidity needs of the transactions; and (c) The extent to which the insurer may engage in these transactions.

2. The insurer shall enter into a written agreement for all transactions authorized by this section other than dollar roll transactions. The written agreement must require that each transaction terminate not more than 1 year after its inception or upon the earlier demand of the insurer. The agreement must be with the business entity counterparty, but for securities lending transactions, the agreement may be with an agent acting on behalf of the insurer, if the agent is a qualified business entity and if the agreement: (a) Requires the agent to enter into separate agreements with each counterparty that are consistent with the requirements of this section; and (b) Prohibits securities lending transactions under the agreement with the agent or its affiliates.

3. Cash received in a transaction as described in this section must be invested in accordance with the provisions of this chapter and in a manner that recognizes the liquidity needs of the transaction or used by the insurer for its general corporate purposes. For so long as the transaction remains outstanding, the insurer, its agent or custodian shall maintain, as to acceptable collateral received in a transaction in accordance with this section, either physically or through book entry systems of the Federal Reserve, the Depository Trust Company, the Participants Trust Company or any other securities depositories approved by the Commissioner: (a) Possession of the acceptable collateral; (b) A perfected security interest in the acceptable collateral; or (c) In the case of a jurisdiction outside of the United States, title to, or rights of a secured creditor to, the acceptable collateral.

4. The limitations of NRS 682A.402 , 682A.404 , 682A.406 and 682A.440 to 682A.448 , inclusive, do not apply to the business entity counterparty exposure created by transactions entered into under this section. For purposes of calculations made to determine compliance with this subsection, no effect will be given to the insurer's future obligation to resell securities, in the case of a repurchase transaction, or to repurchase securities, in the case of a reverse repurchase transaction. An insurer shall not enter into a transaction under this section if, as a result of and after giving effect to the transaction: (a) The aggregate amount of securities loaned, sold or purchased from any one business entity counterparty under this section would exceed 5 percent of its admitted assets. In calculating the amount sold to or purchased from a business entity counterparty in accordance with repurchase or reverse purchase transactions, effect may be given to netting provisions under a master written agreement. (b) The aggregate amount of all securities loaned, sold to or purchased from all business entities under this section would exceed 40 percent of its admitted assets.

5. In a securities lending transaction, the insurer shall receive acceptable collateral having a market value on the transaction date equal to 102 percent or more of the market value of the securities loaned by the insurer in the transaction on that date. If at any time the market value of the acceptable collateral is less than the market value of the loaned securities, the business entity counterparty is obligated to deliver additional acceptable collateral, the market value of which, together with the market value of all acceptable collateral held in connection with the transaction, equals 102 percent or more of the market value of the loaned securities.

6. In a reverse repurchase transaction, other than a dollar roll transaction, the insurer shall receive acceptable collateral having a market value on the transaction date equal to 95 percent or more of the market value of the securities transferred by the insurer in the transaction on that date. If at any time the market value of the acceptable collateral is less than 95 percent of the market value of the securities so transferred, the business entity counterparty is obligated to deliver additional acceptable collateral, the market value of which, together with the market value of all acceptable collateral held in connection with the transaction, equals 95 percent or more of the market value of the transferred securities.

7. In a dollar roll transaction, the insurer shall receive cash in an amount equal to at least the market value of the securities transferred by the insurer in the transaction on the transaction date.

8. In a repurchase transaction, the insurer shall receive as acceptable collateral transferred securities having a market value equal to 102 percent or more of the purchase price paid by the insurer for the securities. If at any time the market value of the acceptable collateral is less than 100 percent of the purchase price paid by the insurer, the business entity counterparty is obligated to provide additional acceptable collateral, the market value of which, together with the market value of all acceptable collateral held in connection with the transaction, equals 102 percent or more of the purchase price. Securities acquired by an insurer in a repurchase transaction may not be sold in a reverse repurchase transaction, loaned in a securities lending transaction or otherwise pledged.

9. To constitute acceptable collateral for the purposes of this section, a letter of credit must have an expiration date beyond the term of the subject transaction.
Nev. Rev. Stat. § 695G.1702 — NV Code / Title 57 / Chapter 695G / Section 695G.1702
Plan covering prescription drugs: Submission to step therapy protocol for drug to treat psychiatric condition prohibited in certain circumstances
Status: in_force

1. A health care plan which provides coverage for prescription drugs must not require an insured to submit to a step therapy protocol before covering a drug approved by the Food and Drug Administration that is prescribed to treat a psychiatric condition of the insured, if: (a) The drug has been approved by the Food and Drug Administration with indications for the psychiatric condition of the insured or the use of the drug to treat that psychiatric condition is otherwise supported by medical or scientific evidence; (b) The drug is prescribed by: (1) A psychiatrist; (2) A physician assistant under the supervision of a psychiatrist; (3) An advanced practice registered nurse who has the psychiatric training and experience prescribed by the State Board of Nursing pursuant to NRS 632.120 ; or (4) A primary care provider that is providing care to an insured in consultation with a practitioner listed in subparagraph (1), (2) or (3), if the closest practitioner listed in subparagraph (1), (2) or (3) who participates in the network plan of the managed care organization is located 60 miles or more from the residence of the insured; and (c) The practitioner listed in paragraph (b) who prescribed the drug knows, based on the medical history of the insured, or reasonably expects each alternative drug that is required to be used earlier in the step therapy protocol to be ineffective at treating the psychiatric condition.

2. Any provision of a health care plan subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after July 1, 2023, which is in conflict with this section is void.

3. As used in this section: (a) “ Medical or scientific evidence ” has the meaning ascribed to it in NRS 695G.053 . (b) “ Network plan ” means a health care plan offered by a managed care organization under which the financing and delivery of medical care is provided, in whole or in part, through a defined set of providers under contract with the managed care organization. The term does not include an arrangement for the financing of premiums. (c) “ Step therapy protocol ” means a procedure that requires an insured to use a prescription drug or sequence of prescription drugs other than a drug that a practitioner recommends for treatment of a psychiatric condition of the insured before his or her health care plan provides coverage for the recommended drug.
Nev. Rev. Stat. § 688A.325 — NV Code / Title 57 / Chapter 688A / Section 688A.325
Calculation of adjusted premiums; operative date of section
Status: in_force

1. This section applies to all policies issued by an insurer on or after the operative date of this section as it relates to that insurer. Except as otherwise provided in subsection 7, the adjusted premiums for any policy must be calculated on an annual basis and be the uniform percentage of the respective premium specified in the policy for each policy year, excluding amounts payable as extra premiums to cover impairments or special hazards and any uniform annual contract charge or policy fee specified in the policy in a statement of the method to be used in calculating the cash surrender values and paid-up nonforfeiture benefits. The present value, at the date of issue of the policy, of all adjusted premiums must be equal to the sum of: (a) The value of the future guaranteed benefits provided for by the policy; (b) One percent of the amount of insurance, if the insurance is uniform in amount, or the average amount of insurance at the beginning of each of the first 10 policy years; and (c) One hundred twenty-five percent of the nonforfeiture net level premium. In applying the percentage specified in paragraph (c), no nonforfeiture net level premium may be deemed to exceed 4 percent of the amount of insurance, if the insurance is uniform in amount, or the average amount of insurance at the beginning of each of the first 10 policy years. The date of issue of a policy for the purpose of this section must be the date as of which the rated age of the insured is determined.

2. The nonforfeiture net level premium must be equal to the present value, at the date of issue of the policy, of the guaranteed benefits provided for by the policy divided by the present value, at the date of issue of the policy, of an annuity of one per annum payable on the date of issue of the policy and on each anniversary of the policy on which a premium falls due.

3. In the case of policies which cause unscheduled changes in benefits or premiums on a basis guaranteed in the policy, or which provide an option for changes in benefits or premiums other than a change to a new policy, the adjusted premiums and present values must initially be calculated on the assumption that future benefits and premiums do not change from those stipulated at the date of issue of the policy. At the time of any change in the benefits or premiums, the future adjusted premiums, nonforfeiture net level premiums and present values must be recalculated on the assumption that future benefits and premiums do not change from those stipulated by the policy immediately after the change.

4. Except as otherwise provided in subsection 7, the recalculated future adjusted premiums for any such policy must be a uniform percentage of the respective future premiums specified in the policy for each policy year, excluding amounts payable as extra premiums to cover impairments and special hazards and any uniform annual contract charge or policy fee specified in the policy in a statement of the method to be used in calculating the cash surrender values and paid-up nonforfeiture benefits, which results in the present value, at the time of change to the newly defined benefits or premiums, of all future adjusted premiums being equal to the excess of the sum of the present value of the future guaranteed benefits provided for by the policy and the additional expense allowance, if any, over the cash surrender value, if any, or present value of any paid-up nonforfeiture benefit under the policy.

5. The additional expense allowance, at the time of the change to the newly defined benefits or premiums, must be the sum of: (a) One percent of the excess, if positive, of the average amount of insurance at the beginning of each of the first 10 policy years after the change, over the average amount of insurance before the change at the beginning of each of the first 10 policy years after the most recent previous change, or, if there has been no previous change, the date of issue of the policy; and (b) One hundred twenty-five percent of the increase, if positive, in the nonforfeiture net level premium.

6. The recalculated nonforfeiture net level premium must be equal to the result obtained by dividing amount “A” by amount “B” where: (a) “A” equals the sum of: (1) The nonforfeiture net level premium applicable before the change, multiplied by the present value of an annuity of one per annum payable on each anniversary of the policy on or after the date of the change on which a premium would have fallen due if the change had not occurred; and (2) The present value of the increase in future guaranteed benefits provided for by the policy. (b) “B” equals the present value of an annuity of one per annum payable on each anniversary of the policy on or after the date of change on which a premium falls due.

7. In the case of a policy issued on a substandard basis which provides reduced graded amounts of insurance so that, in each policy year, the policy has the same tabular mortality cost as an otherwise similar policy issued on the standard basis which provides higher uniform amounts of insurance, adjusted premiums and present values for the substandard policy may be calculated as if it were issued to provide the higher uniform amounts of insurance on the standard basis.

8. All adjusted premiums and present values referred to in NRS 688A.290 to 688A.360 , inclusive, must be calculated for all policies of ordinary insurance on the basis of the Commissioners 1980 Standard Ordinary Mortality Table or, at the election of the insurer for any one or more specified plans of life insurance, the Commissioners 1980 Standard Ordinary Mortality Table with Ten-Year Select Mortality Factors; all policies of industrial insurance must be calculated on the basis of the Commissioners 1961 Standard Industrial Mortality Table; and all policies issued in a particular calendar year must be calculated on the basis of a rate of interest not exceeding the nonforfeiture interest rate established in this section for policies issued in that calendar year, except as follows: (a) At the option of the insurer, calculations for all policies issued in a particular calendar year may be made on the basis of a rate of interest not exceeding the nonforfeiture interest rate, established in this section, for policies issued in the immediately preceding calendar year. (b) Under any paid-up nonforfeiture benefit, including any paid-up dividend additions, any cash surrender value available, whether or not required by NRS 688A.290 , must be calculated on the basis of the mortality table and rate of interest used in determining the amount of the paid-up nonforfeiture benefit and paid-up dividend additions, if any. (c) An insurer may calculate the amount of any guaranteed paid-up nonforfeiture benefit including any paid-up additions under the policy on the basis of an interest rate which is not lower than that specified in the policy for calculating cash surrender values. (d) In calculating the present value of any paid-up term insurance with accompanying pure endowment, if any, offered as a nonforfeiture benefit, the rates of mortality assumed may be not more than those shown in the Commissioners 1980 Extended Term Insurance Table for policies of ordinary insurance and not more than the Commissioners 1961 Industrial Extended Term Insurance Table for policies of industrial insurance. (e) For insurance issued on a substandard basis or a special underwriting basis, the calculation of any adjusted premiums and present values may be based on appropriate modifications of the tables specified in this subsection. (f) For policies issued: (1) Before the operative date of the Valuation Manual , as determined pursuant to NRS 681B.300 , any Commissioners Standard ordinary mortality tables which are adopted after 1980 by the National Association of Insurance Commissioners and are approved by a regulation adopted by the Commissioner for use in determining the minimum nonforfeiture standard may be substituted for the Commissioners 1980 Standard Ordinary Mortality Table with or without Ten-Year Select Mortality Factors or for the Commissioners 1980 Extended Term Insurance Table. (2) On or after the operative date of the Valuation Manual , as determined pursuant to NRS 681B.300 , the Valuation Manual must set forth the Commissioners Standard mortality table for use in determining the minimum nonforfeiture standard that may be substituted for the Commissioners 1980 Standard Ordinary Mortality Table with or without Ten-Year Select Mortality Factors or for the Commissioners 1980 Extended Term Insurance Table. If the Commissioner approves by regulation any Commissioners Standard ordinary mortality table adopted by the National Association of Insurance Commissioners for use in determining the minimum nonforfeiture standard for policies issued on or after the operative date of the Valuation Manual , then that minimum nonforfeiture standard supersedes the minimum nonforfeiture standard specified in the Valuation Manual . (g) For policies issued: (1) Before the operative date of the Valuation Manual , as determined pursuant to NRS 681B.300 , any Commissioners Standard industrial mortality tables which are adopted after 1980 by the National Association of Insurance Commissioners and are approved by a regulation adopted by the Commissioner for use in determining the minimum nonforfeiture standard may be substituted for the Commissioners 1961 Standard Industrial Mortality Table or the Commissioners 1961 Industrial Extended Term Insurance Table. (2) On or after the operative date of the Valuation Manual , as determined pursuant to NRS 681B.300 , the Valuation Manual must set forth the Commissioners Standard industrial mortality table for use in determining the minimum nonforfeiture standard that may be substituted for the Commissioners 1961 Standard Industrial Mortality Table or the Commissioners 1961 Industrial Extended Term Insurance Table. If the Commissioner approves by regulation any Commissioners Standard industrial mortality table adopted by the National Association of Insurance Commissioners for use in determining the minimum nonforfeiture standard for policies issued on or after the operative date of the Valuation Manual , then that minimum nonforfeiture standard supersedes the minimum nonforfeiture standard specified in the Valuation Manual .

9. For the purposes of this section: (a) For policies issued before the operative date of the Valuation Manual , as determined pursuant to NRS 681B.300 , the nonforfeiture interest rate for any policy issued in a particular calendar year must be equal to the greater of: (1) One hundred twenty-five percent of the calendar year statutory valuation interest rate for the policy as defined in the Standard Valuation Law, rounded to the nearer one-fourth of 1 percent; or (2) Four percent. (b) For policies issued on or after the operative date of the Valuation Manual , as determined pursuant to NRS 681B.300 , the nonforfeiture interest rate per annum for any policy issued in a particular calendar year must be as specified in the Valuation Manual .

10. Any refiling of nonforfeiture values or their methods of computation for any previously approved policy form which involves only a change in the interest rate or mortality table used to compute nonforfeiture values does not require refiling of any other provisions of that policy form.

11. After July 1, 1983, any insurer may file with the Commissioner a written notice of its election to comply with the provision of this section after a specified date before January 1, 1989. A date so specified is the operative date of this section for that insurer. If an insurer makes no election, the operative date of this section for that insurer is January 1, 1989.

12. As used in this section, “ Valuation Manual ” has the meaning ascribed to it in NRS 681B.0071 .
Nev. Rev. Stat. § 683A.076 — NV Code / Title 57 / Chapter 683A / Section 683A.076
“Terminate” defined
Status: in_force

“ Terminate ” means to cancel the relationship between a producer of insurance and the insurer or to terminate a producer's authority to transact insurance.
Nev. Rev. Stat. § 688B.060 — NV Code / Title 57 / Chapter 688B / Section 688B.060
Incontestability
Status: in_force

The group life insurance policy shall contain a provision that the validity of the policy shall not be contested, except for nonpayment of premium, after it has been in force for 2 years from its date of issue; and that no statement made by any person insured under the policy relating to the insurability of the person shall be used in contesting the validity of the insurance with respect to which such statement was made after such insurance has been in force prior to the contest for a period of 2 years during such person's lifetime nor unless it is contained in a written instrument signed by the person.
Nev. Rev. Stat. § 691D.320 — NV Code / Title 57 / Chapter 691D / Section 691D.320
Billing and collection of charges by vendor authorized; itemization of charges in certain circumstances; disclosure to customer if coverage included with purchase or lease; accounting and status of money received by vendor; compensation of vendor for billing and collection services
Status: in_force

1. If a customer purchases a policy of portable electronics insurance from a vendor or elects to enroll in coverage under the vendor's policy of portable electronics insurance, the vendor may bill and collect the charges for the portable electronics insurance coverage.

2. Any charge to the customer for portable electronics insurance coverage that is not included in the cost associated with the purchase or lease of portable electronics or related services must be separately itemized on the customer's bill.

3. If portable electronics insurance coverage is included with the purchase or lease of portable electronics or related services, the vendor must clearly and conspicuously disclose to the customer that the portable electronics insurance coverage is included with the purchase of the portable electronics or related services.

4. A vendor which bills and collects charges for portable electronics insurance coverage on behalf of an insurer is not required to maintain such money in a segregated account if the vendor: (a) Is authorized by the insurer to hold such money in an alternative manner; and (b) Remits such amounts to the supervising entity within 60 days after receipt. All money collected by a vendor from an enrolled customer for the sale of portable electronics insurance shall be deemed to be held in trust by the vendor in a fiduciary capacity for the benefit of the insurer, and the insurer shall be deemed to have received the premium from the enrolled customer upon payment of the premium by the enrolled customer to the vendor. A vendor is entitled to receive compensation for billing and collection services.
Nev. Rev. Stat. § 683A.08528 — NV Code / Title 57 / Chapter 683A / Section 683A.08528
Annual report: Requirements; review by Commissioner
Status: in_force

1. Not later than 90 days after the expiration of the fiscal year of the administrator, or within such other period as the Commissioner may allow, each holder of a certificate of registration as an administrator shall file with the Commissioner an annual report for that fiscal year. Each annual report must be verified by at least two officers of the administrator.

2. Each annual report filed pursuant to this section must include all the following: (a) A financial statement of the administrator that has been reviewed by an independent certified public accountant. (b) The complete name and address of each person, if any, for whom the administrator agreed to act as an administrator during the fiscal year. (c) A statement regarding the total money handled by the administrator on behalf of contracted entities in connection with his or her activities as an administrator. The statement must be on a form prescribed or approved by the Commissioner for the purpose of calculating the amount of the bond required by NRS 683A.0857 . (d) Any other information required by the Commissioner.

3. Except as otherwise provided in subsection 4, in addition to the information required pursuant to subsection 2, if an annual report is prepared on a consolidated basis, the annual report must include supplemental exhibits that: (a) Have been reviewed by an independent certified public accountant; and (b) Include a balance sheet and income statement for each holder of a certificate of registration as an administrator in this State.

4. In lieu of complying with the requirements set forth in paragraphs (a) and (b) of subsection 3, an administrator who is a wholly owned subsidiary of a parent company may submit to the Commissioner: (a) The financial statement of the parent company that has been audited by an independent certified public accountant; and (b) A parental guaranty that is signed by an officer of the parent company and which guarantees the financial solvency of the administrator.

5. The Commissioner shall, for each administrator, review the annual report that is most recently filed by the administrator. As soon as practicable after reviewing the report, the Commissioner shall issue a certificate to the administrator indicating that, based on the annual report and accompanying financial statement, the administrator is currently licensed and in good standing in this State.
Nev. Rev. Stat. § 688A.180 — NV Code / Title 57 / Chapter 688A / Section 688A.180
Standard provisions: Annuity and pure endowment contracts
Status: in_force

1. No annuity or pure endowment contract, other than reversionary annuities (also called survivorship annuities) or group annuities and except as stated in this section, shall be delivered or issued for delivery in this state unless it contains in substance each of the provisions specified in NRS 688A.165 and 688A.190 to 688A.240 , inclusive. Any of such provisions not applicable to single-premium annuities or single-premium pure endowment contracts shall not, to that extent, be incorporated therein.

2. This section does not apply to contracts for deferred annuities included in, or upon the lives of beneficiaries under, life insurance policies.
Nev. Rev. Stat. § 696B.565 — NV Code / Title 57 / Chapter 696B / Section 696B.565
Officers, agents, employees and attorneys of Division: Immunity from liability; indemnification
Status: in_force

1. The Commissioner, as receiver, all present and former deputy receivers, special deputy receivers and their employees, and the other officers, agents, employees and attorneys of the Division are immune from liability, both personally and in their official capacities, for any claim for damage to or loss of property or personal injury or other civil liability caused by or resulting from any alleged act, error or omission of the officers, agents, employees and attorneys of the Division arising out of or by reason of their duties or employment. This subsection must not be construed to hold the officers, agents, employees and attorneys of the Division immune from liability for any damage, loss, injury or liability caused by actual malice.

2. Attorneys, accountants, auditors and other professional persons or firms who are retained by the Commissioner as independent contractors and their employers must not be considered employees for the purposes of this chapter.

3. The Commissioner, all present and former deputy receivers, special deputy receivers and their employees, and the other officers, agents, employees and attorneys of the Division must be indemnified for all expenses, attorney's fees, judgments, settlements, decrees, or amounts due or paid in satisfaction of, or incurred in the defense of, such a legal action, unless it is determined upon a final adjudication on the merits of the case that the alleged acts, error or omission of the officer, agent, employee or attorney of the division did not arise out of or by reason of his or her duties or employment and was caused by actual malice.

4. The State may seek indemnification for the payment of expenses, judgments, settlements, decrees, attorney's fees, surety bond premiums or other amounts paid or to be paid from the insurer's assets. Any payment pursuant to this section shall be deemed an administrative expense of the insurer.
Nev. Rev. Stat. § 686A.010 — NV Code / Title 57 / Chapter 686A / Section 686A.010
Purpose
Status: in_force

The purpose of NRS 686A.010 to 686A.310 , inclusive, is to regulate trade practices in the business of insurance in accordance with the intent of Congress as expressed in the Act of Congress approved March 9, 1945, being c. 20, 59 Stat. 33, also designated as 15 U.S.C. §§ 1011 to 1015 , inclusive, and Title V of Public Law 106-102 , 15 U.S.C. §§ 6801 et seq.
Nev. Rev. Stat. § 695C.16934 — NV Code / Title 57 / Chapter 695C / Section 695C.16934
Required provision concerning coverage for medically necessary treatment of conditions relating to gender dysphoria and gender incongruence; restriction on refusal to cover certain treatments; authority of health maintenance organization to prescribe requirements for covering surgical treatments for minors; determination of medical necessity
Status: in_force

1. Except as otherwise provided in this section, a health maintenance organization that issues a health care plan shall include in the health care plan coverage for the medically necessary treatment of conditions relating to gender dysphoria and gender incongruence. Such coverage must include coverage of medically necessary psychosocial and surgical intervention and any other medically necessary treatment for such disorders provided by: (a) Endocrinologists; (b) Pediatric endocrinologists; (c) Social workers; (d) Psychiatrists; (e) Psychologists; (f) Gynecologists; (g) Speech-language pathologists; (h) Primary care physicians; (i) Advanced practice registered nurses; (j) Physician assistants; and (k) Any other providers of medically necessary services for the treatment of gender dysphoria or gender incongruence.

2. This section does not require a health care plan to include coverage for cosmetic surgery performed by a plastic surgeon or reconstructive surgeon that is not medically necessary.

3. A health maintenance organization that issues a health care plan shall not categorically refuse to cover medically necessary gender-affirming treatments or procedures or revisions to prior treatments if the plan provides coverage for any such services, procedures or revisions for purposes other than gender transition or affirmation.

4. A health maintenance organization that issues a health care plan may prescribe requirements that must be satisfied before the health maintenance organization covers surgical treatment of conditions relating to gender dysphoria or gender incongruence for an enrollee who is less than 18 years of age. Such requirements may include, without limitation, requirements that: (a) The treatment must be recommended by a psychologist, psychiatrist or other mental health professional; (b) The treatment must be recommended by a physician; (c) The enrollee must provide a written expression of the desire of the enrollee to undergo the treatment; (d) A written plan for treatment that covers at least 1 year must be developed and approved by at least two providers of health care; and (e) Parental consent is provided for the enrollee unless the enrollee is expressly authorized by law to consent on his or her own behalf.

5. When determining whether treatment is medically necessary for the purposes of this section, a health maintenance organization must consider the most recent Standards of Care prescribed by the World Professional Association for Transgender Health, or its successor organization.

6. A health maintenance organization shall make a reasonable effort to ensure that the benefits required by subsection 1 are made available to an enrollee through a provider of health care who participates in the network plan of the health maintenance organization. If, after a reasonable effort, the health maintenance organization is unable to make such benefits available through such a provider of health care, the health maintenance organization may treat the treatment that the health maintenance organization is unable to make available through such a provider of health care in the same manner as other services provided by a provider of health care who does not participate in the network plan of the health maintenance organization.

7. If an enrollee appeals the denial of a claim or coverage under this section on the grounds that the treatment requested by the enrollee is not medically necessary, the health maintenance organization must consult with a provider of health care who has experience in prescribing or delivering gender-affirming treatment concerning the medical necessity of the treatment requested by the enrollee when considering the appeal.

8. A health care plan subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after July 1, 2023, has the legal effect of including the coverage required by subsection 1, and any provision of the plan or renewal which is in conflict with the provisions of this section is void.

9. As used in this section: (a) “ Cosmetic surgery ”: (1) Means a surgical procedure that: (I) Does not meaningfully promote the proper function of the body; (II) Does not prevent or treat illness or disease; and (III) Is primarily directed at improving the appearance of a person. (2) Includes, without limitation, cosmetic surgery directed at preserving beauty. (b) “ Gender dysphoria ” means distress or impairment in social, occupational or other areas of functioning caused by a marked difference between the gender identity or expression of a person and the sex assigned to the person at birth which lasts at least 6 months and is shown by at least two of the following: (1) A marked difference between gender identity or expression and primary or secondary sex characteristics or anticipated secondary sex characteristics in young adolescents. (2) A strong desire to be rid of primary or secondary sex characteristics because of a marked difference between such sex characteristics and gender identity or expression or a desire to prevent the development of anticipated secondary sex characteristics in young adolescents. (3) A strong desire for the primary or secondary sex characteristics of the gender opposite from the sex assigned at birth. (4) A strong desire to be of the opposite gender or a gender different from the sex assigned at birth. (5) A strong desire to be treated as the opposite gender or a gender different from the sex assigned at birth. (6) A strong conviction of experiencing typical feelings and reactions of the opposite gender or a gender different from the sex assigned at birth. (c) “ Medically necessary ” means health care services or products that a prudent provider of health care would provide to a patient to prevent, diagnose or treat an illness, injury or disease, or any symptoms thereof, that are necessary and: (1) Provided in accordance with generally accepted standards of medical practice; (2) Clinically appropriate with regard to type, frequency, extent, location and duration; (3) Not provided primarily for the convenience of the patient or provider of health care; (4) Required to improve a specific health condition of a patient or to preserve the existing state of health of the patient; and (5) The most clinically appropriate level of health care that may be safely provided to the patient. A provider of health care prescribing, ordering, recommending or approving a health care service or product does not, by itself, make that health care service or product medically necessary. (d) “ Network plan ” means a health care plan offered by a health maintenance organization 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 health maintenance organization. The term does not include an arrangement for the financing of premiums. (e) “ Provider of health care ” has the meaning ascribed to it in NRS 629.031 .
Nev. Rev. Stat. § 684B.150 — NV Code / Title 57 / Chapter 684B / Section 684B.150
Court authorized to impose fine in lieu of Commissioner's order suspending, revoking or refusing to renew license; exception
Status: in_force

1. Upon the hearing of an appeal from the Commissioner's order suspending, revoking or refusing to continue any license issued under the provisions of this chapter, the court, if it finds that the licensee is guilty of a violation of the law, and if it deems the suspension, revocation or refusal too severe a penalty under the facts as found, may impose a fine of not more than $500 in lieu thereof. Payment of the fine within 10 days thereafter shall reinstate, restore or continue the license.

2. If it appears that a license of the licensee has theretofore been suspended, revoked or refused for a similar offense, the court shall not have jurisdiction to impose a fine in lieu of the action required by the order appealed from.
Nev. Rev. Stat. § 689C.073 — NV Code / Title 57 / Chapter 689C / Section 689C.073
“Group health plan” defined
Status: in_force

1. “ Group health plan ” means an employee welfare benefit plan, as defined in section 3(1) 1 of the Employee Retirement Income Security Act of 1974, as that section existed on July 16, 1997, to the extent that the plan provides medical care to employees or their dependents as defined under the terms of the plan directly, or through insurance, reimbursement or otherwise.

2. The term does not include: (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) Liability insurance, including general liability insurance and automobile liability insurance; (d) Workers' compensation or similar insurance; (e) Coverage for medical payments under a policy of automobile insurance; (f) Credit insurance; (g) Coverage for on-site medical clinics; and (h) Other similar insurance coverage specified in federal regulations adopted pursuant to Public Law 104-191 under which benefits for medical care are secondary or incidental to other insurance benefits.

3. The term does not include 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 dental or 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 federal regulations adopted pursuant to Public Law 104-191.

4. The term does not include the following benefits if the benefits are provided under a separate policy, certificate or contract of insurance, there is no coordination between the provision of the benefits and any exclusion of benefits under any group health plan maintained by the same plan sponsor, and such 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.

5. The term does not include 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) 2 of the Social Security Act, as that section existed on July 16, 1997; (b) Coverage supplemental to the coverage provided pursuant to chapter 55 of Title 10, United States Code (Civilian Health and Medical Program of Uniformed Services (CHAMPUS)); and (c) Similar supplemental coverage provided under a group health plan.

1 29 U.S.C.A. § 1002(1)

2 42 U.S.C.A. § 1395ss(g)(1)
Nev. Rev. Stat. § 686A.050 — NV Code / Title 57 / Chapter 686A / Section 686A.050
“Twisting” prohibited
Status: in_force

No person shall make or issue, or cause to be made or issued, any written or oral statement misrepresenting or making misleading comparison as to the terms, conditions, benefits or advantages of any insurance policy for the purpose of inducing, or attempting or tending to induce, any other person to lapse, forfeit, surrender, borrow against, retain, exchange, convert or otherwise deal with or dispose of any insurance policy.
Nev. Rev. Stat. § 692C.3505 — NV Code / Title 57 / Chapter 692C / Section 692C.3505
Rules, regulations and orders
Status: in_force

The Commissioner may, upon notice and opportunity for all interested persons to be heard, issue such rules, regulations and orders as are necessary to carry out the provisions of NRS 692C.3501 to 692C.3509 , inclusive.
Nev. Rev. Stat. § 689.245 — NV Code / Title 57 / Chapter 689 / Section 689.245
Agent's license: Issuance; denial
Status: in_force

1. If the Commissioner finds that the application is complete and the applicant meets the requirements of NRS 689.235 after an investigation not to exceed 30 days, the Commissioner shall issue at the request of the holder of a valid seller's certificate of authority an agent's license to the applicant.

2. If the license is denied the Commissioner shall immediately notify the applicant and the seller whom the applicant was to represent setting forth the reasons for the denial.
Nev. Rev. Stat. § 695D.290 — NV Code / Title 57 / Chapter 695D / Section 695D.290
Trade practices and frauds: Applicability of provisions to organizations for dental care
Status: in_force

The provisions of NRS 686A.010 to 686A.310 , inclusive, relating to trade practices and frauds apply to organizations for dental care.
Nev. Rev. Stat. § 681B.120 — NV Code / Title 57 / Chapter 681B / Section 681B.120
Minimum standards for policies and contracts; applicability
Status: in_force

1. Except as otherwise provided in subsection 3 and in NRS 681B.125 , the minimum standards for the valuation of all policies and contracts issued before January 1, 1972, are as follows: (a) The legal minimum standard for valuation of contracts issued before January 1, 1942, is a basis not lower than that used for the annual statement of the year during which the policies were issued, and for contracts issued on and after January 1, 1942, is the American Experience Table of Mortality with either Craig's or Buttolph's Extension for ages under 10, with interest at not more than 3.5 percent per annum. Annuities and pure endowments purchased under group annuity and pure endowment contracts must be valued in the same manner, with interest at not more than 5 percent. Such policies may provide for not more than 1-year preliminary term insurance by incorporating therein a clause plainly showing that the first year's insurance under the contract is term insurance purchased by the whole or part of the premiums to be received during the first year of the contract. (b) The legal minimum standard for the valuation of group life insurance policies under which the premium rates are not guaranteed for more than 5 years is the American Men Ultimate Table of Mortality with interest at not more than 3.5 percent per annum. (c) The legal minimum standard for the valuation of industrial policies is the American Experience Table of Mortality or the Standard Industrial Mortality Table or the Substandard Industrial Mortality Table with interest at not more than 3.5 percent per annum by the net level premium method, or in accordance with their terms by the modified preliminary term method described in this section. (d) Reserves for all such policies and contracts may be calculated, at the option of the insurer, according to any standards which produce greater aggregate reserves than the minimum reserves required by this subsection.

2. Except as otherwise provided in subsection 3 and in NRS 681B.125 , the minimum standards for the valuation of all policies and contracts issued on or after January 1, 1972, are the Commissioners’ reserve valuation methods defined in NRS 681B.130 and 681B.150 , 5 percent interest for group annuity and pure endowment contracts and 3.5 percent interest for all other such policies and contracts or, in the case of policies and contracts other than annuity and pure endowment contracts issued on or after July 1, 1973, 4 percent interest for such policies issued before July 1, 1977, 5.5 percent interest for single premium life insurance policies and 4.5 percent for all other such policies issued on and after July 1, 1977, and the following tables: (a) For all ordinary policies of life insurance issued on the standard basis, excluding any disability and accidental death benefits in such policies, the Commissioners 1941 Standard Ordinary Mortality Table until the operative date of NRS 688A.340 , and, for all such policies issued on and after the operative date of NRS 688A.340 and before the operative date of NRS 688A.325 , the Commissioners 1958 Standard Ordinary Mortality Table, except that for any category of such policies issued on female risks all modified net premiums and present values referred to in NRS 681B.110 to 681B.150 , inclusive, may be calculated according to an age not more than 6 years younger than the actual age of the insured. For policies issued on or after the operative date of NRS 688A.325 : (1) The Commissioners 1980 Standard Ordinary Mortality Table; (2) At the election of the insurer for any one or more specified plans of life insurance, the Commissioners 1980 Standard Ordinary Mortality Table with Ten-Year Select Mortality Factors; or (3) Any ordinary mortality table which is adopted after 1980 by the NAIC and is approved by a regulation adopted by the Commissioner, may be used in determining the minimum standard of valuation for such policies. (b) For all industrial life insurance policies issued on the standard basis, excluding any disability and accidental death benefits in such policies, the 1941 Standard Industrial Mortality Table for such policies issued before the operative date of NRS 688A.330 , and for such policies issued on or after that date, the Commissioners 1961 Standard Industrial Mortality Table or any industrial mortality table which is adopted after 1980 by the NAIC and is approved by a regulation adopted by the Commissioner for use in determining the minimum standard of valuation for such policies. (c) For individual annuity and pure endowment contracts, excluding any disability and accidental death benefits in such policies, the 1937 Standard Annuity Mortality Table, or, at the option of the insurer, the Annuity Mortality Table for 1949, Ultimate, or any modification of either of these tables approved by the Commissioner. (d) For group annuity and pure endowment contracts, excluding any disability and accidental death benefits in such policies, the Group Annuity Mortality Table for 1951, any modification of that table approved by the Commissioner, or, at the option of the insurer, any of the tables or modifications of tables specified for individual annuity and pure endowment contracts. (e) For total and permanent disability benefits in or supplementary to ordinary policies or contracts, for policies or contracts issued on or after January 1, 1966, the tables of Period 2 disablement rates and the 1930 to 1950 termination rates of the 1952 Disability Study of the Society of Actuaries, with due regard to the type of benefit, or any tables of disablement rates and termination rates which are adopted after 1980 by the NAIC and are approved by a regulation adopted by the Commissioner for use in determining the minimum standard of valuation for such policies; and for policies or contracts issued on or after January 1, 1961, and before January 1, 1966, either such tables or, at the option of the insurer, the Class (3) Disability Table (1926). (f) Benefits for accidental death in or supplementary to policies, for policies issued on or after January 1, 1966, the 1959 Accidental Death Benefits Table, or any accidental death benefits table which is adopted after 1980 by the NAIC and is approved by a regulation adopted by the Commissioner for use in determining the minimum standard of valuation for such policies; and for policies issued on or after January 1, 1961, and before January 1, 1966, either such table or, at the option of the insurer, the Inter-Company Double Indemnity Mortality Table. Either table must be combined with a mortality table permitted for calculating the reserves for life insurance policies. (g) For group life insurance, for life insurance issued on the substandard basis and for special benefits, such tables as may be approved by the Commissioner.

3. Except as provided in NRS 681B.125 , the minimum standards for the valuation of all individual annuity and pure endowment contracts issued on or after the valuation operative date defined in subsection 4 and for all annuities and pure endowments purchased on or after that date, under group annuity and pure endowment contracts, are the Commissioners reserve valuation methods defined in NRS 681B.130 and the following tables and interest rates: (a) For individual annuity and pure endowment contracts issued before July 1, 1977, excluding any disability and accidental death benefits in such contracts, the 1971 Individual Annuity Mortality Table, or any modification of the table approved by the Commissioner, and 6 percent interest for single premium immediate annuity contracts, and 4 percent interest for all other individual annuity and pure endowment contracts. (b) For individual single premium immediate annuity contracts issued on or after July 1, 1977, excluding any disability and accidental death benefits in such contracts, the 1971 Individual Annuity Mortality Table, or any individual annuity mortality table which is adopted after 1980 by the NAIC and is approved by a regulation adopted by the Commissioner for use in determining the minimum standard of valuation for such contracts, or any modification of those tables approved by the Commissioner, and 7.5 percent interest. (c) For individual annuity and pure endowment contracts issued on or after July 1, 1977, other than single premium immediate annuity contracts, excluding any disability and accidental death benefits in such contracts, the 1971 Individual Annuity Mortality Table or any individual annuity mortality table which is adopted after 1980 by the NAIC and is approved by a regulation adopted by the Commissioner for use in determining the minimum standard of valuation for such contracts, or any modification of those tables approved by the Commissioner, and 5.5 percent interest for single premium deferred annuity and pure endowment contracts and 4.5 percent interest for all other such individual annuity and pure endowment contracts. (d) For all annuities and pure endowments purchased before July 1, 1977, under group annuity and pure endowment contracts, excluding any disability and accidental death benefits purchased under such contracts, the 1971 Group Annuity Mortality Table, or any modification of that table approved by the Commissioner, and 6 percent interest. (e) For all annuities and pure endowments purchased on or after July 1, 1977, under group annuity and pure endowment contracts, excluding any disability and accidental death benefits purchased under such contracts, the 1971 Group Annuity Mortality Table, or any group annuity mortality table which is adopted after 1980 by the NAIC and is approved by a regulation adopted by the Commissioner for use in determining the minimum standard of valuation for such annuities and pure endowments, or any modification of those tables approved by the Commissioner, and 7.5 percent interest.

4. After July 1, 1973, any insurer may file with the Commissioner a written notice of its election to comply with the provisions of subsection 3 after a specified date before January 1, 1979, which then becomes the valuation operative date for the insurer, but an insurer may elect a different valuation operative date for individual annuity and pure endowment contracts from that elected for group annuity and pure endowment contracts. If an insurer makes no such election, the valuation operative date for the insurer is January 1, 1979.

5. Except as otherwise provided in NRS 681B.310 , the provisions of this section apply only to, or in connection with, policies and contracts issued before the operative date of the Valuation Manual .
Nev. Rev. Stat. § 689B.080 — NV Code / Title 57 / Chapter 689B / Section 689B.080
Authority to issue; required provisions
Status: in_force

Any insurer authorized to write health insurance in this state, including a nonprofit corporation for hospital, medical or dental services that has a certificate of authority issued pursuant to chapter 695B of NRS , may issue blanket accident and health insurance. No blanket policy, except as provided in subsection 5 of NRS 687B.120 , may be issued or delivered in this state unless a copy of the form thereof has been filed in accordance with NRS 687B.120 . Every blanket policy must contain provisions which in the opinion of the Commissioner are not less favorable to the policyholder and the individual insured than the following:

1. A provision that the policy, including endorsements and a copy of the application, if any, of the policyholder and the persons insured constitutes the entire contract between the parties, and that any statement made by the policyholder or by a person insured is in the absence of fraud a representation and not a warranty, and that no such statements may be used in defense to a claim under the policy, unless contained in a written application. The insured or the beneficiary or assignee of the insured has the right to make a written request to the insurer for a copy of an application, and the insurer shall, within 15 days after the receipt of a request at its home office or any branch office of the insurer, deliver or mail to the person making the request a copy of the application. If a copy is not so delivered or mailed, the insurer is precluded from introducing the application as evidence in any action based upon or involving any statements contained therein.

2. A provision that written notice of sickness or of injury must be given to the insurer within 20 days after the date when the sickness or injury occurred. Failure to give notice within that time does not invalidate or reduce any claim if it is shown that it was not reasonably possible to give notice and that notice was given as soon as was reasonably possible.

3. A provision that the insurer will furnish to the claimant or to the policyholder for delivery to the claimant such forms as are usually furnished by it for filing proof of loss. If the forms are not furnished before the expiration of 15 days after giving written notice of sickness or injury, the claimant shall be deemed to have complied with the requirements of the policy as to proof of loss upon submitting, within the time fixed in the policy for filing proof of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made.

4. A provision that in the case of a claim for loss of time for disability, written proof of the loss must be furnished to the insurer within 90 days after the commencement of the period for which the insurer is liable, and that subsequent written proofs of the continuance of the disability must be furnished to the insurer at such intervals as the insurer may reasonably require, and that in the case of a claim for any other loss, written proof of the loss must be furnished to the insurer within 90 days after the date of the loss. Failure to furnish such proof within that time does not invalidate or reduce any claim if it is shown that it was not reasonably possible to furnish proof and that the proof was furnished as soon as was reasonably possible.

5. A provision that all benefits payable under the policy other than benefits for loss of time will be payable immediately upon receipt of written proof of loss, and that, subject to proof of loss, all accrued benefits payable under the policy for loss of time will be paid not less frequently than monthly during the continuance of the period for which the insurer is liable, and that any balance remaining unpaid at the termination of that period will be paid immediately upon receipt of proof.

6. A provision that the insurer at its own expense has the right and opportunity to examine the person of the insured when and so often as it may reasonably require during the pendency of claim under the policy and also the right and opportunity to make an autopsy where it is not prohibited by law.

7. A provision, if applicable, setting forth the provisions of NRS 689B.035 .

8. A provision for benefits for expense arising from care at home or health supportive services if that care or service was prescribed by a physician and would have been covered by the policy if performed in a medical facility or facility for the dependent as defined in chapter 449 of NRS .

9. A provision that no action at law or in equity may be brought to recover under the policy before the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of the policy and that no such action may be brought after the expiration of 3 years after the time written proof of loss is required to be furnished.
Nev. Rev. Stat. § 695C.203 — NV Code / Title 57 / Chapter 695C / Section 695C.203
Health maintenance organization prohibited from denying coverage solely because claim involves act that constitutes domestic violence or applicant or insured was victim of domestic violence
Status: in_force

A health maintenance organization shall not deny a claim, refuse to issue a policy or cancel a policy solely because the claim involves an act that constitutes domestic violence pursuant to NRS 33.018 , or because the person applying for or covered by the policy was the victim of such an act of domestic violence, regardless of whether the insured or applicant contributed to any loss or injury.
Nev. Rev. Stat. § 695C.1696 — NV Code / Title 57 / Chapter 695C / Section 695C.1696
Required provision concerning coverage for drug or device for contraception and related health services; prohibited acts; exceptions
Status: in_force

1. Except as otherwise provided in subsection 8, a health maintenance organization that offers or issues a health care plan shall include in the plan coverage for: (a) Up to a 12-month supply, per prescription, of any type of drug for contraception or its therapeutic equivalent which is: (1) Lawfully prescribed or ordered; (2) Approved by the Food and Drug Administration; (3) Listed in subsection 12; and (4) Dispensed in accordance with NRS 639.28075 ; (b) Any type of device for contraception which is: (1) Lawfully prescribed or ordered; (2) Approved by the Food and Drug Administration; and (3) Listed in subsection 12; (c) Self-administered hormonal contraceptives dispensed by a pharmacist pursuant to NRS 639.28078 ; (d) Insertion of a device for contraception or removal of such a device if the device was inserted while the enrollee was covered by the same health care plan; (e) Education and counseling relating to the initiation of the use of contraception and any necessary follow-up after initiating such use; (f) Management of side effects relating to contraception; and (g) Voluntary sterilization for women.

2. A health maintenance organization shall provide coverage for any services listed in subsection 1 which are within the authorized scope of practice of a pharmacist when such services are provided by a pharmacist who is employed by or serves as an independent contractor of an in-network pharmacy and in accordance with the applicable provider network contract. Such coverage must be provided to the same extent as if the services were provided by another provider of health care, as applicable to the services being provided. The terms of the policy must not limit: (a) Coverage for services listed in subsection 1 and provided by such a pharmacist to a number of occasions less than the coverage for such services when provided by another provider of health care. (b) Reimbursement for services listed in subsection 1 and provided by such a pharmacist to an amount less than the amount reimbursed for similar services provided by a physician, physician assistant or advanced practice registered nurse.

3. A health maintenance organization must ensure that the benefits required by subsection 1 are made available to an enrollee through a provider of health care who participates in the network plan of the health maintenance organization.

4. If a covered therapeutic equivalent listed in subsection 1 is not available or a provider of health care deems a covered therapeutic equivalent to be medically inappropriate, an alternate therapeutic equivalent prescribed by a provider of health care must be covered by the health maintenance organization.

5. Except as otherwise provided in subsections 10, 11 and 13, a health maintenance organization that offers or issues a health care plan shall not: (a) Require an enrollee to pay a higher deductible, any copayment or coinsurance or require a longer waiting period or other condition to obtain any benefit included in the health care plan pursuant to subsection 1; (b) Refuse to issue a health care plan or cancel a health care plan solely because the person applying for or covered by the plan uses or may use any such benefit; (c) Offer or pay any type of material inducement or financial incentive to an enrollee to discourage the enrollee from obtaining any such benefit; (d) Penalize a provider of health care who provides any such benefit to an enrollee, 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 enrollee; or (f) Impose any other restrictions or delays on the access of an enrollee to any such benefit.

6. Coverage pursuant to this section for the covered dependent of an enrollee must be the same as for the enrollee.

7. Except as otherwise provided in subsection 8, a health care plan subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after January 1, 2024, has the legal effect of including the coverage required by this section, and any provision of the plan or the renewal which is in conflict with this section is void.

8. A health maintenance organization that offers or issues a health care plan and which is affiliated with a religious organization is not required to provide the coverage required by subsection 1 if the health maintenance organization objects on religious grounds. Such an organization shall, before the issuance of a health care plan and before the renewal of such a plan, provide to the prospective enrollee written notice of the coverage that the health maintenance organization refuses to provide pursuant to this subsection.

9. If a health maintenance organization refuses, pursuant to subsection 8, to provide the coverage required by subsection 1, an employer may otherwise provide for the coverage for the employees of the employer.

10. A health maintenance organization may require an enrollee to pay a higher deductible, copayment or coinsurance for a drug for contraception if the enrollee refuses to accept a therapeutic equivalent of the drug.

11. For each of the 18 methods of contraception listed in subsection 12 that have been approved by the Food and Drug Administration, a health care plan must include at least one drug or device for contraception within each method for which no deductible, copayment or coinsurance may be charged to the enrollee, but the health maintenance organization may charge a deductible, copayment or coinsurance for any other drug or device that provides the same method of contraception. If the health maintenance organization charges a copayment or coinsurance for a drug for contraception, the health maintenance organization may only require an enrollee to pay the copayment or coinsurance: (a) Once for the entire amount of the drug dispensed for the plan year; or (b) Once for each 1-month supply of the drug dispensed.

12. The following 18 methods of contraception must be covered pursuant to this section: (a) Voluntary sterilization for women; (b) Surgical sterilization implants for women; (c) Implantable rods; (d) Copper-based intrauterine devices; (e) Progesterone-based intrauterine devices; (f) Injections; (g) Combined estrogen- and progestin-based drugs; (h) Progestin-based drugs; (i) Extended- or continuous-regimen drugs; (j) Estrogen- and progestin-based patches; (k) Vaginal contraceptive rings; (l) Diaphragms with spermicide; (m) Sponges with spermicide; (n) Cervical caps with spermicide; (o) Female condoms; (p) Spermicide; (q) Combined estrogen- and progestin-based drugs for emergency contraception or progestin-based drugs for emergency contraception; and (r) Ulipristal acetate for emergency contraception.

13. Except as otherwise provided in this section and federal law, a health maintenance organization 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.

14. A health maintenance organization shall not: (a) Use medical management techniques to require an enrollee to use a method of contraception other than the method prescribed or ordered by a provider of health care; (b) Require an enrollee to obtain prior authorization for the benefits described in paragraphs (a) and (c) of subsection 1; or (c) Refuse to cover a contraceptive injection or the insertion of a device described in paragraph (c), (d) or (e) of subsection 12 at a hospital immediately after an enrollee gives birth.

15. A health maintenance organization must provide an accessible, transparent and expedited process which is not unduly burdensome by which an enrollee, or the authorized representative of the enrollee, may request an exception relating to any medical management technique used by the health maintenance organization to obtain any benefit required by this section without a higher deductible, copayment or coinsurance.

16. As used in this section: (a) “ In-network pharmacy ” means a pharmacy that has entered into a contract with a health maintenance organization to provide services to enrollees through a network plan offered or issued by the health maintenance organization. (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 health care plan offered by a health maintenance organization 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 health maintenance organization. The term does not include an arrangement for the financing of premiums. (d) “ Provider network contract ” means a contract between a health maintenance organization and a provider of health care or pharmacy specifying the rights and responsibilities of the health maintenance organization and the provider of health care or pharmacy, as applicable, for delivery of health care services pursuant to a network plan. (e) “ Provider of health care ” has the meaning ascribed to it in NRS 629.031 . (f) “ Therapeutic equivalent ” means a drug which: (1) Contains an identical amount of the same active ingredients in the same dosage and method of administration as another drug; (2) Is expected to have the same clinical effect when administered to a patient pursuant to a prescription or order as another drug; and (3) Meets any other criteria required by the Food and Drug Administration for classification as a therapeutic equivalent.
Nev. Rev. Stat. § 686C.270 — NV Code / Title 57 / Chapter 686C / Section 686C.270
Rates and dividends may reflect assessments
Status: in_force

It is proper for any member insurer, in determining its rates of premium and dividends to owners of policies or contracts as to any kind of insurance or coverage offered by a health maintenance organization within the scope of this chapter, to consider the amount reasonably necessary to meet its obligations for assessment under this chapter.
Nev. Rev. Stat. § 695J.150 — NV Code / Title 57 / Chapter 695J / Section 695J.150
Payment of child support: Statement by applicant for certificate; grounds for denial of certificate; duty of Commissioner
Status: in_force

<See notes for changes to this section effective under certain conditions.>

1. An applicant for the issuance or renewal of a certificate to act as an exchange enrollment facilitator shall submit to the Commissioner the statement prescribed by the Division of Welfare and Supportive Services of the Department of Health and Human Services pursuant to NRS 425.520 . The statement must be completed and signed by the applicant.

2. The Commissioner shall include the statement required pursuant to subsection 1 in: (a) The application or any other forms that must be submitted for the issuance or renewal of the certificate; or (b) A separate form prescribed by the Commissioner.

3. A certificate to act as an exchange enrollment facilitator may not be issued or renewed by the Commissioner if the applicant is a natural person who: (a) Fails to submit the statement required pursuant to subsection 1; or (b) Indicates on the statement submitted pursuant to subsection 1 that the applicant is subject to a court order for the support of a child and is not in compliance with the order or a plan approved by the district attorney or other public agency enforcing the order for the repayment of the amount owed pursuant to the order.

4. If an applicant indicates on the statement submitted pursuant to subsection 1 that the applicant is subject to a court order for the support of a child and is not in compliance with the order or a plan approved by the district attorney or other public agency enforcing the order for the repayment of the amount owed pursuant to the order, the Commissioner shall advise the applicant to contact the district attorney or other public agency enforcing the order to determine the actions that the applicant may take to satisfy the arrearage.
Nev. Rev. Stat. § 687B.147 — NV Code / Title 57 / Chapter 687B / Section 687B.147
Exclusion, reduction or limitation of certain coverage in motor vehicle insurance policies allowed; conditions; form and contents of disclosure
Status: in_force

A policy of motor vehicle insurance covering a private passenger car may be delivered or issued for delivery in this state if it contains an exclusion, reduction or other limitation of coverage for the liability of any named insured for bodily injury to:

1. Another named insured; or

2. Any member of the household of a named insured,

unless the named insured rejects the exclusion, reduction or other limitation of coverage after full disclosure of the limitation by the insurer on a form approved by the Commissioner. The form must be written in a manner which is easily understood, printed in at least 12-point type and contain the statement “I understand that this policy excludes, reduces and limits coverage for bodily injury to members of my family and other named insureds, including the following persons:” (followed by a list of the names of the family members and other named insureds whose coverage has been excluded, reduced or limited). The list of names must be handwritten by the insured and followed by the full signature of the insured. The disclosed exclusion, reduction or other limitation of coverage continues until the named insured notifies the insurer in writing of the desire of the insured to reject it. The insurer must disclose upon renewal of the policy that coverage has been excluded, reduced or limited and that the named insured has the right to reject the exclusion, reduction or limitation. The insurer must also disclose to the named insured upon renewal any additional motor vehicle coverages that the insurer sells. These disclosures must be written in a form easily understood and printed in at least 12-point type.
Nev. Rev. Stat. § 683A.177 — NV Code / Title 57 / Chapter 683A / Section 683A.177
Applicability
Status: in_force

1. Except as otherwise provided in subsection 2, the requirements of NRS 683A.171 to 683A.179 , inclusive, and any regulations adopted by the Commissioner pursuant thereto do not apply to the coverage of prescription drugs under a plan that is subject to the Employee Retirement Income Security Act of 1974 or any information relating to such coverage.

2. A plan described in subsection 1 may, by contract, require a pharmacy benefit manager that manages the coverage of prescription drugs under the plan to comply with the requirements of NRS 683A.171 to 683A.179 , inclusive, and any regulations adopted by the Commissioner pursuant thereto.
Nev. Rev. Stat. § 689A.04049 — NV Code / Title 57 / Chapter 689A / Section 689A.04049
Coverage for screening, genetic counseling and testing related to BRCA gene required in certain circumstances
Status: in_force

1. An insurer that issues a policy of health insurance shall provide coverage for screening, genetic counseling and testing for harmful mutations in the BRCA gene for women under circumstances where such screening, genetic counseling or testing, as applicable, is required by NRS 457.301 .

2. An insurer shall 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. A policy of health insurance subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after January 1, 2022, has the legal effect of including the coverage required by subsection 1, and any provision of the policy that conflicts with the provisions of this section is void.

4. As used in this section: (a) “ 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. (b) “ Provider of health care ” has the meaning ascribed to it in NRS 629.031 .
Nev. Rev. Stat. § 695D.060 — NV Code / Title 57 / Chapter 695D / Section 695D.060
“Organization for dental care” defined
Status: in_force

“Organization for dental care” means any person who agrees to provide coverage for dental care through one or more plans for dental care.
Nev. Rev. Stat. § 680B.039 — NV Code / Title 57 / Chapter 680B / Section 680B.039
General tax on premiums: Penalty
Status: in_force

Any insurer that fails to file the report or pay the tax as required by NRS 680B.025 to 680B.039 , inclusive, within the time for filing and payment as provided in those sections shall in addition to any other applicable penalty pay a penalty of not more than 10 percent of the amount of the tax which is owed, as determined by the Department of Taxation, in addition to the tax, plus interest at the rate of 1.5 percent per month, or fraction of a month, from the date on which the tax should have been paid until the date of payment.
Nev. Rev. Stat. § 683A.372 — NV Code / Title 57 / Chapter 683A / Section 683A.372
Approval to conduct external reviews: Minimum qualifications; conflicts of interest
Status: in_force

1. To be approved under NRS 683A.3715 to conduct external reviews, an independent review organization shall have and maintain written policies and procedures that govern all aspects of both the standard external review process and the expedited external review process which include, without limitation: (a) A quality assurance mechanism which ensures: (1) That an external review is conducted within the specified time frames and required notices are provided in a timely manner; (2) The selection of qualified and impartial clinical reviewers to conduct external reviews on behalf of the independent review organization, suitable matching of reviewers to specific cases and that the independent review organization employs or contracts with an adequate number of clinical reviewers to meet this requirement; (3) The confidentiality of medical and treatment records and clinical review criteria; and (4) That a person employed by or under contract with the independent review organization adheres to the requirements of the external review process; (b) A toll-free telephone service that is capable of accepting, recording or providing appropriate instruction relating to external reviews to incoming telephone callers 24 hours a day, 7 days a week; and (c) An agreement to maintain and provide to the Office for Consumer Health Assistance the information required pursuant to NRS 695G.303 .

2. A clinical reviewer assigned by an independent review organization to conduct an external review must be a physician or other appropriate health care provider who must: (a) Be an expert in the treatment of the covered person's medical condition that is the subject of the external review; (b) Be knowledgeable about the recommended health care service or treatment through recent or current actual clinical experience treating patients with the same or similar medical condition as the covered person; (c) Hold a nonrestricted license in a state or territory of the United States and, if a physician, hold a current certification by a specialty board of the American Board of Medical Specialties in the area or areas appropriate to the subject of the external review; and (d) Have no history of disciplinary actions or sanctions, including loss of staff privileges or participation restrictions, that have been taken or are pending by any hospital, governmental agency or unit, or regulatory body that raise a substantial question as to the clinical reviewer's physical, mental or professional competence or moral character.

3. In addition to the requirements set forth in subsection 1, an independent review organization may not own or control, be a subsidiary of or in any way be owned or controlled by, or exercise control with a health benefit plan, a national, state or local trade association of health benefit plans, or a national, state or local trade association of health care providers.

4. In addition to the requirements set forth in subsections 1, 2 and 3, to be approved pursuant to NRS 683A.3715 to conduct an external review of a specific case, neither the independent review organization selected to conduct the external review nor a clinical reviewer assigned by the independent review organization to conduct the external review may have a material professional, familial or financial conflict of interest with any of the following: (a) The health carrier that is the subject of the external review; (b) The covered person whose treatment is the subject of the external review or the covered person's authorized representative; (c) Any officer, director or management employee of the health carrier that is the subject of the external review; (d) The health care provider, the health care provider's medical group or independent practice association recommending the health care service or treatment that is the subject of the external review; (e) The facility at which the recommended health care service or treatment would be provided; or (f) The developer or manufacturer of the principal drug, device, procedure or other therapy being recommended for the covered person whose treatment is the subject of the external review.

5. In determining whether an independent review organization or a clinical reviewer of the independent review organization has a material professional, familial or financial conflict of interest for purposes of subsection 4, the Office for Consumer Health Assistance shall take into consideration situations where the independent review organization to be assigned to conduct an external review of a specific case or a clinical reviewer to be assigned by the independent review organization to conduct an external review of a specific case may have an apparent professional, familial or financial relationship or connection with a person described in subsection 4, but that the characteristics of that relationship or connection are such that they are not a material professional, familial or financial conflict of interest that results in the disapproval of the independent review organization or the clinical reviewer from conducting the external review.

6. The Commissioner shall initially review and periodically review the standards of a nationally recognized private accrediting entity for accreditation of independent review organizations to determine whether the entity's standards are equivalent to or exceed the minimum qualifications established in this section. The Commissioner may accept a review conducted by the National Association of Insurance Commissioners for the purpose of the determination under this subsection and subsection 7.

7. Upon request, a nationally recognized private accrediting entity shall make its current standards for the accreditation of independent review organizations available to the Commissioner or to the National Association of Insurance Commissioners in order for the Commissioner to determine if the entity's standards are equivalent to or exceed the minimum qualifications established in this section. The Commissioner may exclude any private accrediting entity that is not reviewed by the National Association of Insurance Commissioners.

8. An independent review organization must be unbiased. An independent review organization shall establish and maintain written procedures to ensure that it is unbiased in addition to any other procedures required under this section.

9. As used in this section, the words and terms defined in NRS 695G.012 to 695G.085 , inclusive, have the meanings ascribed to them in those sections.
Nev. Rev. Stat. § 689B.0307 — NV Code / Title 57 / Chapter 689B / Section 689B.0307
Policy covering prescription drug for treatment of medical condition that is part of step therapy protocol: Use of certain guidelines required; establishment of process to request exemption from step therapy protocol required; granting of request; applicability of provisions
Status: in_force

1. When developing a step therapy protocol, an insurer shall use guidelines based on medical or scientific evidence, if such guidelines are available.

2. An insurer that offers or issues a policy of group health insurance which includes coverage for a prescription drug for the treatment of any medical condition that is part of a step therapy protocol shall: (a) Establish a clear, convenient and readily accessible process by which an insured and his or her attending practitioner may: (1) Request an exemption for the insured from the step therapy protocol; and (2) Appeal a decision made by the insurer concerning a request for an exemption from the step therapy protocol pursuant to subparagraph (1); (b) Make the process described in paragraph (a) accessible through an Internet website maintained by the insurer; and (c) Except as otherwise provided in this paragraph, respond to a request made or an appeal submitted pursuant to paragraph (a) not later than 2 business days after the request is made or the appeal is submitted, as applicable. If the attending practitioner indicates that exigent circumstances exist, the insurer shall respond to the request or appeal within 24 hours after the request is made or the appeal is submitted, as applicable.

3. An insurer shall grant a request to exempt an insured from a step therapy protocol made in accordance with the process established pursuant to subsection 2 if the attending practitioner for the insured submits to the insurer a statement which provides an adequate justification for the exemption and any documentation necessary to support the statement. The insurer shall determine whether such justification exists if the statement and documentation demonstrate that: (a) Each prescription drug that is required to be used earlier in the step therapy protocol: (1) Is contraindicated or will likely cause an adverse reaction or physical or mental harm to the insured; (2) Is expected to be ineffective based on the known clinical characteristics of the insured and the known characteristics of the required prescription drug; (3) Has been tried by the insured, regardless of whether the insured was covered by the current policy of group health insurance at the time, and was discontinued due to lack of efficacy or effectiveness, diminished effect or an adverse event relating to the prescription drug; or (4) Is not in the best interest of the insured, based on medical necessity; or (b) The insured is stable on a prescription drug selected by his or her attending practitioner for the medical condition under consideration, regardless of whether the insured was covered by his or her current policy of group health insurance at the time the attending practitioner selected the drug.

4. If an insurer does not respond to a request for an exemption from a step therapy protocol or an appeal concerning a decision relating to such a request within the time frame prescribed by paragraph (c) of subsection 2, the request shall be deemed to have been granted.

5. If a request for an exemption from a step therapy protocol is granted pursuant to subsection 3 or deemed granted pursuant to subsection 4, the insurer shall immediately authorize coverage for and dispensing of the drug chosen by the attending practitioner for the insured.

6. A policy of group health insurance subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after January 1, 2024, has the legal effect of including the coverage required by this section, and any provisions of the policy that conflict with the provisions of this section is void.

7. The provisions of this section do not apply to: (a) Any prescription drug to which the provisions of NRS 689B.0305 apply. (b) Any policy of group health insurance purchased or provided pursuant to NRS 287.010 .

8. As used in this section: (a) “ Attending practitioner ” means the practitioner, as defined in NRS 639.0125 , who has primary responsibility for the treatment of the medical condition of an insured for which a prescription drug is prescribed. (b) “ Medical or scientific evidence ” has the meaning ascribed to it in NRS 695G.053 .
Nev. Rev. Stat. § 695G.176 — NV Code / Title 57 / Chapter 695G / Section 695G.176
Plan covering anatomical gifts, organ transplants or treatments or services related to organ transplants: Prohibited acts by managed care organization if insured is person with disability
Status: in_force

1. A managed care organization that offers or issues a health care plan that includes coverage for anatomical gifts, organ transplants or treatments or services related to an organ transplant shall not: (a) Deny, limit or seek reimbursement from an insured for care related to an organ transplant because the insured is a person with a disability; (b) Deny a person with a disability eligibility or continued eligibility to enroll or renew coverage to avoid providing coverage in accordance with this section; (c) Reduce or limit the reimbursement of or otherwise penalize a provider of medical or related services because the provider of medical or related services acted in accordance with NRS 460.160 ; or (d) Provide monetary or nonmonetary incentives for a provider of medical or related services to induce the provider of medical or related services to provide care to an insured in a manner inconsistent with NRS 460.160 .

2. As used in this section: (a) “ Anatomical gift ” has the meaning ascribed to it in NRS 451.513 . (b) “ Disability ” has the meaning ascribed to it in 42 U.S.C. § 12102(1) . (c) “ Provider of medical or related services ” has the meaning ascribed to it in NRS 460.160 .
Nev. Rev. Stat. § 686A.100 — NV Code / Title 57 / Chapter 686A / Section 686A.100
Life insurance, annuities and health insurance: Unfair discrimination prohibited
Status: in_force

1. No person may make or permit any unfair discrimination between persons of the same class and equal expectation of life in the rates charged for any contract of life insurance or of life annuity or in the dividends or other benefits payable thereon, or in any other of the terms and conditions of such contract.

2. No person may make or permit any unfair discrimination between persons of the same class and of essentially the same hazard in the amount of premium, policy fees or rates charged for any policy or contract of health insurance or in the benefits payable thereunder, or in any of the terms or conditions of such contract, or in any other manner whatever.

3. No person may make or permit any unfair discrimination between persons legally qualified to provide a particular service, in the amount of the fee or charge for that service payable as a benefit under any policy or contract of health insurance.
Nev. Rev. Stat. § 695B.1905 — NV Code / Title 57 / Chapter 695B / Section 695B.1905
Contract covering prescription drugs prohibited from limiting or excluding coverage for certain prescription drugs previously approved for medical condition of insured; exceptions
Status: in_force

1. Except as otherwise provided in this section, a contract for hospital or medical services which provides coverage for prescription drugs must not limit or exclude coverage for a drug if the drug: (a) Had previously been approved for coverage by the insurer for a medical condition of an insured and the insured's provider of health care determines, after conducting a reasonable investigation, that none of the drugs which are otherwise currently approved for coverage are medically appropriate for the insured; and (b) Is appropriately prescribed and considered safe and effective for treating the medical condition of the insured.

2. The provisions of subsection 1 do not: (a) Apply to coverage for any drug that is prescribed for a use that is different from the use for which that drug has been approved for marketing by the Food and Drug Administration; (b) Prohibit: (1) The insurer from charging a deductible, copayment or coinsurance for the provision of benefits for prescription drugs to the insured or from establishing, by contract, limitations on the maximum coverage for prescription drugs; (2) A provider of health care from prescribing another drug covered by the contract that is medically appropriate for the insured; or (3) The substitution of another drug pursuant to NRS 639.23286 or 639.2583 to 639.2597 , inclusive; or (c) Require any coverage for a drug after the term of the contract.

3. Any provision of a contract for hospital or medical services subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after October 1, 2001, which is in conflict with this section is void.
Nev. Rev. Stat. § 689C.510 — NV Code / Title 57 / Chapter 689C / Section 689C.510
Registration: Fee for application; response to application; regulations
Status: in_force

1. The application must be accompanied by a fee in an amount to be established by the Commissioner by regulation to cover the direct costs of examining the qualifications of an applicant.

2. The Commissioner shall respond to each application for a certificate of registration within 30 days after receipt. The Commissioner shall either approve the application or shall inform the organization of specific changes to the application necessary to permit approval.
Nev. Rev. Stat. § 693A.090 — NV Code / Title 57 / Chapter 693A / Section 693A.090
Information to stockholders and regulation of proxies: Information in advance of meetings
Status: in_force

Every insurer to which this section and NRS 693A.080 and 693A.100 apply shall seasonably furnish to its stockholders, in advance of stockholder meetings, information in writing reasonably adequate to inform them relative to all matters to be presented by the insurer's management for consideration of stockholders at such meeting.
Nev. Rev. Stat. § 695C.207 — NV Code / Title 57 / Chapter 695C / Section 695C.207
Health maintenance organization prohibited from requiring or using information concerning genetic testing
Status: in_force

1. A health maintenance organization shall not: (a) Require an enrollee or any member of the family of the enrollee to take a genetic test; (b) Require an enrollee to disclose whether the enrollee or any member of the family of the enrollee has taken a genetic test or the genetic information of the enrollee or a member of the family of the enrollee; or (c) Determine the rates or any other aspect of the coverage or benefits for health care provided to an enrollee based on whether the enrollee or any member of the family of the enrollee has taken a genetic test.

2. As used in this section: (a) “ Genetic information ” means any information that is obtained from a genetic test. (b) “ Genetic test ” means a test, including a laboratory test which uses deoxyribonucleic acid extracted from the cells of a person or a diagnostic test, to determine the presence of abnormalities or deficiencies, including carrier status, that: (1) Are linked to physical or mental disorders or impairments; or (2) Indicate a susceptibility to illness, disease, impairment or any other disorder, whether physical or mental.
Nev. Rev. Stat. § 690C.215 — NV Code / Title 57 / Chapter 690C / Section 690C.215
Transfer of liability without approval of Commissioner prohibited; exception
Status: in_force

1. Except as otherwise provided in this section, a provider shall not transfer any liability relating to a service contract to another provider or any other person, including, without limitation, another provider or other person with whom the original provider has merged or plans to merge.

2. A provider may transfer a liability relating to a service contract to another provider or any other person if, before the liability is transferred: (a) The original provider submits a proposal to the Commissioner to transfer the liability; and (b) The Commissioner approves the proposal pursuant to subsection 3.

3. The Commissioner may approve a proposal made by a provider pursuant to subsection 2 if the Commissioner determines, after reviewing the financial condition of the provider or other person to whom the liability is proposed to be transferred, that the proposed recipient of the transfer has adequate financial resources to enable the proposed recipient to pay in full and in a timely manner all liabilities proposed to be transferred to the proposed recipient.

4. The provisions of this section do not apply to any transaction relating to a contractual liability insurance policy into which the provider enters to satisfy the requirements of NRS 690C.170 .
Nev. Rev. Stat. § 681B.140 — NV Code / Title 57 / Chapter 681B / Section 681B.140
Calculation of reserves on higher or lower standards; rate of interest; applicability
Status: in_force

1. Reserves for any category of policies, contracts or benefits as established by the Commissioner, issued on or after January 1, 1972, may be calculated, at the option of the insurer, according to any standards which produce greater aggregate reserves for the category than those calculated according to the minimum standards provided by subsections 2 and 3 of NRS 681B.120 and 681B.125 , but the rate or rates of interest used for policies and contracts other than the annuity and pure endowment contracts must not be higher than the corresponding rate or rates of interest used in calculating any nonforfeiture benefits provided for in such policies.

2. Any insurer which has adopted a standard of valuation producing greater aggregate reserves as described in subsection 1 may, with the approval of the Commissioner, adopt a lower standard of valuation, but not lower than the minimum described in subsection 1.

3. The minimum standard for the valuation of policies and contracts issued before January 1, 1972, must be that provided by the laws in effect immediately preceding that date.

4. Except as otherwise provided in NRS 681B.310 , the provisions of this section apply only to, or in connection with, policies and contracts issued on or after January 1, 1972, and before the operative date of the Valuation Manual .
Nev. Rev. Stat. § 689C.1687 — NV Code / Title 57 / Chapter 689C / Section 689C.1687
Coverage for management and treatment of sickle cell disease and its variants required; coverage for medically necessary prescription drugs to treat sickle cell disease and its variants required in plan covering prescription drugs
Status: in_force

1. A carrier that issues a health benefit plan shall include in the plan coverage for: (a) Necessary case management services for an insured who has been diagnosed with sickle cell disease and its variants; and (b) Medically necessary care for an insured who has been diagnosed with sickle cell disease and its variants.

2. A carrier that issues a health benefit plan which provides coverage for prescription drugs shall include in the plan coverage for medically necessary prescription drugs to treat sickle cell disease and its variants.

3. A carrier 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.

4. As used in this section: (a) “ Case management services ” means medical or other health care management services to assist patients and providers of health care, including, without limitation, identifying and facilitating additional resources and treatments, providing information about treatment options and facilitating communication between providers of services to a patient. (b) “ Medical management technique ” means a practice which is used to control the cost or utilization of health care services. 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) “ Medically necessary ” has the meaning ascribed to it in NRS 695G.055 . (d) “ Sickle cell disease and its variants ” has the meaning ascribed to it in NRS 439.4927 .
Nev. Rev. Stat. § 686B.130 — NV Code / Title 57 / Chapter 686B / Section 686B.130
Licensing of rate service organization and advisory organization: Required to provide services relating to rates of certain insurance; services of rate service organization and advisory organization required to be offered to any insurer
Status: in_force

1. A rate service organization and an advisory organization shall not provide any service relating to the rates of any insurance subject to NRS 686B.010 to 686B.1799 , inclusive, and an insurer shall not utilize the services of an organization for such purposes unless the organization has obtained a license pursuant to NRS 686B.140 .

2. A rate service organization and an advisory organization shall not refuse to supply any services for which it is licensed in this state to any insurer authorized to do business in this state and offering to pay the fair and usual compensation for the services.
Nev. Rev. Stat. § 691A.040 — NV Code / Title 57 / Chapter 691A / Section 691A.040
Regulations
Status: in_force

The Commissioner may adopt regulations to carry out the provisions of this chapter.
Nev. Rev. Stat. § 689A.415 — NV Code / Title 57 / Chapter 689A / Section 689A.415
Insurer prohibited from denying coverage solely because applicant or insured was intoxicated or under influence of controlled substance; exceptions
Status: in_force

1. Except as otherwise provided in subsection 2, an insurer shall not: (a) Deny a claim under a policy of health insurance solely because the claim involves an injury sustained by an insured as a consequence of being intoxicated or under the influence of a controlled substance. (b) Cancel a policy of health insurance solely because an insured has made a claim involving an injury sustained by the insured as a consequence of being intoxicated or under the influence of a controlled substance. (c) Refuse to issue a policy of health insurance to an eligible applicant solely because the applicant has made a claim involving an injury sustained by the applicant as a consequence of being intoxicated or under the influence of a controlled substance.

2. The provisions of subsection 1 do not prohibit an insurer from enforcing a provision included in a policy of health insurance pursuant to NRS 689A.270 to: (a) Deny a claim which involves an injury to which a contributing cause was the insured's commission of or attempt to commit a felony; (b) Cancel a policy of health insurance solely because of such a claim; or (c) Refuse to issue a policy of health insurance to an eligible applicant solely because of such a claim.

3. The provisions of this section do not apply to an insurer under a policy of health insurance that provides coverage for long-term care or disability income.
Nev. Rev. Stat. § 695C.315 — NV Code / Title 57 / Chapter 695C / Section 695C.315
Financial examination: Payment of expense
Status: in_force

1. The health maintenance organization being examined shall pay the expense of an examination. The expenses to be paid include only the reasonable and proper travel and lodging expenses of the Commissioner and the examiners and assistants of the Commissioner, including expert assistance, reasonable compensation to the examiners and assistants and incidental expenses as necessarily incurred in the examination. The Commissioner shall consider the scales and limitations recommended by the National Association of Insurance Commissioners regarding the expense and compensation for an examination.

2. The health maintenance organization shall promptly pay to the Commissioner the expenses of the examination upon presentation by the Commissioner of a reasonably detailed written statement thereof.
Nev. Rev. Stat. § 693A.635 — NV Code / Title 57 / Chapter 693A / Section 693A.635
Membership interest in mutual insurance holding company is not security
Status: in_force

A membership interest in a mutual insurance holding company does not constitute a security under the laws of this state.
Nev. Rev. Stat. § 686C.390 — NV Code / Title 57 / Chapter 686C / Section 686C.390
Unlawful advertisement using existence of Association for sale, solicitation or inducement to purchase; exception
Status: in_force

It is unlawful for a member insurer, agent or affiliate of a member insurer, or other person to make, publish, circulate or place before the public, or cause any other person to do so, in any publication, notice, circular, letter or poster, or over any radio or television station, any advertisement or statement, written or oral, which uses the existence of the Association for the sale, solicitation or inducement to purchase any form of insurance or coverage offered by a health maintenance organization that is covered by the Association. This section does not apply to the Association or any other person that does not sell or solicit insurance or coverage offered by a health maintenance organization.
Nev. Rev. Stat. § 682A.418 — NV Code / Title 57 / Chapter 682A / Section 682A.418
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 investment exercisable within 6 months after the short sale.
Nev. Rev. Stat. § 694B.210 — NV Code / Title 57 / Chapter 694B / Section 694B.210
Time limit for assessments
Status: in_force

Every subscriber of a domestic reciprocal insurer having contingent liability shall be liable for, and shall pay his or her share of any assessment, as computed and limited in accordance with this chapter, if:

1. While the policy of the subscriber is in force or within 1 year after its termination, the subscriber is notified by either the attorney or the Commissioner of his or her intentions to levy such assessment; or

2. If an order to show cause why a receiver, conservator, rehabilitator or liquidator of the insurer should not be appointed is issued while his or her policy is in force or within 1 year after its termination.
Nev. Rev. Stat. § 688C.410 — NV Code / Title 57 / Chapter 688C / Section 688C.410
Identification of provider, viatical settlement and agreement to purchase viatical settlement; statement of name of licensee
Status: in_force

1. The name of the provider of viatical settlements must be clearly identified in an advertisement about the provider, the provider’s viatical settlements or the provider’s agreements to purchase viatical settlements. If a viatical settlement or an agreement to purchase a viatical settlement is advertised, it must be identified by number or other appropriate description. If an application is part of an advertisement, the name of the provider must be shown on the application.

2. An advertisement may not use a trade name, designation of a group, name of a parent or particular division of a provider of viatical settlements, service mark, slogan or other device or reference without disclosing the identity of the provider of viatical settlements licensed under this chapter if the advertisement would have the capacity or tendency to mislead as to the true identity of the provider or create the impression that an organization other than the licensee would have a responsibility for the financial obligation under a viatical settlement. The name of the licensee must be stated in all advertisements.
Nev. Rev. Stat. § 687B.380 — NV Code / Title 57 / Chapter 687B / Section 687B.380
Immunity
Status: in_force

There is no liability on the part of and no cause of action of any nature may arise against any insurer, its authorized representative, its agents, its employees, or any person furnishing to the insurer information as to reasons for cancellation or nonrenewal, for any statement made by them in complying with NRS 687B.310 to 687B.420 , inclusive, or for the providing of information pertaining thereto.
Nev. Rev. Stat. § 685A.080 — NV Code / Title 57 / Chapter 685A / Section 685A.080
Evidence of insurance; changes; penalty
Status: in_force

1. Upon placing a surplus lines coverage, the broker shall promptly issue and deliver to the insured evidence of the insurance consisting either of the policy as issued by the insurer or, if such a policy is not then available, the surplus lines broker's certificate executed by the broker or a cover note. Such a certificate or cover note must show the description and location of the subject of the insurance, coverage, conditions and term of the insurance, the premium and rate charged and taxes collected from the insured, and the name and address of the insured and insurer and must state that the broker has verified that the insurance described has been granted or issued. If the direct risk is assumed by more than one insurer, the certificate must state the name and address and proportion of the entire direct risk assumed by each such insurer.

2. A broker shall not issue any such certificate or any cover note, or purport to insure or represent that insurance will be or has been granted by any unauthorized insurer, unless the broker has prior written authority from the insurer for the insurance, or has received information from the insurer in the regular course of business that the insurance has been granted, or an insurance policy providing the insurance actually has been issued by the insurer and delivered to the insured.

3. If after the issuance and delivery of any such certificate there is any change as to the identity of the insurers, or the proportion of the direct risk assumed by an insurer as stated in the broker's original certificate, or in any other material respect as to the insurance evidenced by the certificate, the broker shall promptly issue and deliver to the insured a substitute certificate accurately showing the current status of the coverage and the insurers responsible thereunder.

4. If a policy issued by the insurer is not available upon placement of the insurance and the broker has issued and delivered a certificate as provided in this section, upon request therefor by the insured the broker shall as soon as reasonably possible procure from the insurer its policy evidencing the insurance and deliver the policy to the insured in replacement of the broker's certificate theretofore issued.

5. Any surplus lines broker who knowingly or negligently issues a false certificate of insurance or who fails promptly to notify the insured of any material change with respect to the insurance by delivery to the insured of a substitute certificate as provided in subsection 3 is subject to the penalty provided by NRS 679A.180 or to any greater applicable penalty otherwise provided by law.
Nev. Rev. Stat. § 689.455 — NV Code / Title 57 / Chapter 689 / Section 689.455
“Burial merchandise” defined
Status: in_force

“ Burial merchandise ” means those items normally supplied by a cemetery authority under a preneed sales agreement, including urns, memorials, scrolls, vases, foundations, bases and other similar merchandise, but does not include the sale of space for interment, entombment or inurnment.
Nev. Rev. Stat. § 689B.0313 — NV Code / Title 57 / Chapter 689B / Section 689B.0313
Required coverage for certain tests and vaccines relating to human papillomavirus; prohibited acts
Status: in_force

1. A policy of group 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 group 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 group health insurance pursuant to subsection 1; (b) Refuse to issue a policy of group health insurance or cancel a policy of group 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 group 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. § 690B.200 — NV Code / Title 57 / Chapter 690B / Section 690B.200
Definitions
Status: in_force

As used in NRS 690B.200 to 690B.360 , inclusive, unless the context otherwise requires, the words and terms defined in NRS 690B.210 to 690B.240 , inclusive, have the meanings ascribed to them in those sections.
Nev. Rev. Stat. § 695C.1698 — NV Code / Title 57 / Chapter 695C / Section 695C.1698
Required provision concerning coverage for certain services, screenings and tests relating to wellness; prohibited acts
Status: in_force

1. A health maintenance organization that offers or issues a health care plan shall include in the plan coverage for: (a) Counseling, support and supplies for breastfeeding, including breastfeeding equipment, counseling and education during the antenatal, perinatal and postpartum period for not more than 1 year; (b) Screening and counseling for interpersonal and domestic violence for women at least annually with initial intervention services consisting of education, strategies to reduce harm, supportive services or a referral for any other appropriate services; (c) Behavioral counseling concerning sexually transmitted diseases from a provider of health care for sexually active women who are at increased risk for such diseases; (d) Such prenatal screenings and tests as recommended by the American College of Obstetricians and Gynecologists or its successor organization; (e) Screening for blood pressure abnormalities and diabetes, including gestational diabetes, after at least 24 weeks of gestation or as ordered by a provider of health care; (f) Screening for cervical cancer at such intervals as are recommended by the American College of Obstetricians and Gynecologists or its successor organization; (g) Screening for depression; (h) Screening and counseling for the human immunodeficiency virus consisting of a risk assessment, annual education relating to prevention and at least one screening for the virus during the lifetime of the enrollee or as ordered by a provider of health care; (i) Smoking cessation programs for an enrollee who is 18 years of age or older not more than two cessation attempts per year and four counseling sessions per year; (j) All vaccinations recommended by the Advisory Committee on Immunization Practices of the Centers for Disease Control and Prevention of the United States Department of Health and Human Services or its successor organization; and (k) Such well-woman preventative visits as recommended by the Health Resources and Services Administration, which must include at least one such visit per year beginning at 14 years of age.

2. A health maintenance organization must ensure that the benefits required by subsection 1 are made available to an enrollee through a provider of health care who participates in the network plan of the health maintenance organization.

3. Except as otherwise provided in subsection 5, a health maintenance organization that offers or issues a health care plan shall not: (a) Require an enrollee 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 health care plan pursuant to subsection 1; (b) Refuse to issue a health care plan or cancel a health care plan solely because the person applying for or covered by the plan uses or may use any such benefit; (c) Offer or pay any type of material inducement or financial incentive to an enrollee to discourage the enrollee from obtaining any such benefit; (d) Penalize a provider of health care who provides any such benefit to an enrollee, 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 enrollee; or (f) Impose any other restrictions or delays on the access of an enrollee to any such benefit.

4. A health care plan subject to the provisions of this chapter that 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 plan or the renewal which is in conflict with this section is void.

5. Except as otherwise provided in this section and federal law, a health maintenance organization 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) “ 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. (b) “ Network plan ” means a health care plan offered by a health maintenance organization 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 health maintenance organization. The term does not include an arrangement for the financing of premiums. (c) “Provider of health care” has the meaning ascribed to it in NRS 629.031 .
Nev. Rev. Stat. § 682A.568 — NV Code / Title 57 / Chapter 682A / Section 682A.568
Commissioner may allow additional derivative transactions by regulation; limitations
Status: in_force

In accordance with the regulations adopted pursuant to NRS 682A.388 , the Commissioner may approve additional transactions involving the use of derivative instruments in excess of the limits of NRS 682A.562 or for other risk-management purposes, but replication transactions must not be allowed for other than risk-management purposes.
Nev. Rev. Stat. § 681A.270 — NV Code / Title 57 / Chapter 681A / Section 681A.270
“Automatic agreement” defined
Status: in_force

“Automatic agreement” means an agreement between a reinsured and reinsurer whereby the ceding company is obligated to cede certain risks as provided in the agreement and the reinsurer is obligated to accept.
Nev. Rev. Stat. § 686B.1777 — NV Code / Title 57 / Chapter 686B / Section 686B.1777
Circumstances under which Commissioner authorized to require supporting information regarding rates and required to hold hearing related to disapproval of rates
Status: in_force

1. If the Commissioner finds that: (a) The interaction among insurers is not competitive; (b) The rates filed by insurers whose interaction is competitive are inadequate or unfairly discriminatory; or (c) The rates violate the provisions of this chapter, the Commissioner may require the insurers to file information supporting their existing rates. Before the Commissioner may disapprove those rates, the Commissioner shall notify the insurers and hold a hearing on the rates and the supplementary rate information.

2. The Commissioner may disapprove any rate without a hearing. Any insurer whose rates are disapproved in this manner may request in writing and within 30 days after the disapproval that the Commissioner conduct a hearing on the matter.
Nev. Rev. Stat. § 683A.1815 — NV Code / Title 57 / Chapter 683A / Section 683A.1815
“Facility” defined
Status: in_force

“Facility” has the meaning ascribed to it in NRS 108.4733 .
Nev. Rev. Stat. § 695A.1865 — NV Code / Title 57 / Chapter 695A / Section 695A.1865
Coverage for drug or device for contraception and related health services required in benefit contract covering prescription drugs or devices; prohibited acts; exceptions
Status: in_force

1. Except as otherwise provided in subsection 8, a society that offers or issues a benefit contract which provides coverage for prescription drugs or devices shall include in the contract coverage for: (a) Up to a 12-month supply, per prescription, of any type of drug for contraception or its therapeutic equivalent which is: (1) Lawfully prescribed or ordered; (2) Approved by the Food and Drug Administration; (3) Listed in subsection 11; and (4) Dispensed in accordance with NRS 639.28075 ; (b) Any type of device for contraception which is: (1) Lawfully prescribed or ordered; (2) Approved by the Food and Drug Administration; and (3) Listed in subsection 11; (c) Self-administered hormonal contraceptives dispensed by a pharmacist pursuant to NRS 639.28078 ; (d) Insertion of a device for contraception or removal of such a device if the device was inserted while the insured was covered by the same benefit contract; (e) Education and counseling relating to the initiation of the use of contraception and any necessary follow-up after initiating such use; (f) Management of side effects relating to contraception; and (g) Voluntary sterilization for women.

2. A society shall provide coverage for any services listed in subsection 1 which are within the authorized scope of practice of a pharmacist when such services are provided by a pharmacist who is employed by or serves as an independent contractor of an in-network pharmacy and in accordance with the applicable provider network contract. Such coverage must be provided to the same extent as if the services were provided by another provider of health care, as applicable to the services being provided. The terms of the policy must not limit: (a) Coverage for services listed in subsection 1 and provided by such a pharmacist to a number of occasions less than the coverage for such services when provided by another provider of health care. (b) Reimbursement for services listed in subsection 1 and provided by such a pharmacist to an amount less than the amount reimbursed for similar services provided by a physician, physician assistant or advanced practice registered nurse.

3. A society 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 society.

4. If a covered therapeutic equivalent listed in subsection 1 is not available or a provider of health care deems a covered therapeutic equivalent to be medically inappropriate, an alternate therapeutic equivalent prescribed by a provider of health care must be covered by the society.

5. Except as otherwise provided in subsections 9, 10 and 12, a society that offers or issues a benefit contract shall not: (a) Require an insured to pay a higher deductible, any copayment or coinsurance or require a longer waiting period or other condition for coverage for any benefit included in the benefit contract pursuant to subsection 1; (b) Refuse to issue a benefit contract or cancel a benefit contract solely because the person applying for or covered by the contract 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 to 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.

6. Coverage pursuant to this section for the covered dependent of an insured must be the same as for the insured.

7. Except as otherwise provided in subsection 8, a benefit contract subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after January 1, 2024, 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.

8. A society that offers or issues a benefit contract and which is affiliated with a religious organization is not required to provide the coverage required by subsection 1 if the society objects on religious grounds. Such a society shall, before the issuance of a benefit contract and before the renewal of such a contract, provide to the prospective insured written notice of the coverage that the society refuses to provide pursuant to this subsection.

9. A society may require an insured to pay a higher deductible, copayment or coinsurance for a drug for contraception if the insured refuses to accept a therapeutic equivalent of the drug.

10. For each of the 18 methods of contraception listed in subsection 11 that have been approved by the Food and Drug Administration, a benefit contract must include at least one drug or device for contraception within each method for which no deductible, copayment or coinsurance may be charged to the insured, but the society may charge a deductible, copayment or coinsurance for any other drug or device that provides the same method of contraception. If the society charges a copayment or coinsurance for a drug for contraception, the society may only require an insured to pay the copayment or coinsurance: (a) Once for the entire amount of the drug dispensed for the plan year; or (b) Once for each 1-month supply of the drug dispensed.

11. The following 18 methods of contraception must be covered pursuant to this section: (a) Voluntary sterilization for women; (b) Surgical sterilization implants for women; (c) Implantable rods; (d) Copper-based intrauterine devices; (e) Progesterone-based intrauterine devices; (f) Injections; (g) Combined estrogen- and progestin-based drugs; (h) Progestin-based drugs; (i) Extended- or continuous-regimen drugs; (j) Estrogen- and progestin-based patches; (k) Vaginal contraceptive rings; (l) Diaphragms with spermicide; (m) Sponges with spermicide; (n) Cervical caps with spermicide; (o) Female condoms; (p) Spermicide; (q) Combined estrogen- and progestin-based drugs for emergency contraception or progestin-based drugs for emergency contraception; and (r) Ulipristal acetate for emergency contraception.

12. Except as otherwise provided in this section and federal law, a society 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.

13. A society shall not: (a) Use medical management techniques to require an insured to use a method of contraception other than the method prescribed or ordered by a provider of health care; (b) Require an insured to obtain prior authorization for the benefits described in paragraphs (a) and (c) of subsection 1; or (c) Refuse to cover a contraceptive injection or the insertion of a device described in paragraph (c), (d) or (e) of subsection 11 at a hospital immediately after an insured gives birth.

14. A society must provide an accessible, transparent and expedited process which is not unduly burdensome by which an insured, or the authorized representative of the insured, may request an exception relating to any medical management technique used by the society to obtain any benefit required by this section without a higher deductible, copayment or coinsurance.

15. As used in this section: (a) “ In-network pharmacy ” means a pharmacy that has entered into a contract with a society to provide services to insureds through a network plan offered or issued by the society. (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 benefit contract offered by a society 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 society. The term does not include an arrangement for the financing of premiums. (d) “ Provider network contract ” means a contract between a society and a provider of health care or pharmacy specifying the rights and responsibilities of the society and the provider of health care or pharmacy, as applicable, for delivery of health care services pursuant to a network plan. (e) “ Provider of health care ” has the meaning ascribed to it in NRS 629.031 . (f) “ Therapeutic equivalent ” means a drug which: (1) Contains an identical amount of the same active ingredients in the same dosage and method of administration as another drug; (2) Is expected to have the same clinical effect when administered to a patient pursuant to a prescription or order as another drug; and (3) Meets any other criteria required by the Food and Drug Administration for classification as a therapeutic equivalent.
Nev. Rev. Stat. § 690C.130 — NV Code / Title 57 / Chapter 690C / Section 690C.130
Annual report by Commissioner concerning service contract industry
Status: in_force

1. On or before March 31, 2024, and on or before March 31 of each year thereafter, the Commissioner shall submit a report to the Joint Interim Standing Committee on Commerce and Labor concerning the service contract industry in this State.

2. The report must include, without limitation: (a) For each report other than the initial report, the number of service contracts sold by providers, by county, during the calendar year for which the report is made; (b) The number of providers doing business in this State; (c) The number of providers, by the type of service contract provided; (d) The number of complaints concerning providers received by the Division, by type of complaint and information concerning the resolution of such complaints; and (e) Any other matter relating to the service contract industry in this State that the Commissioner deems appropriate.

3. To the extent reasonably practicable, the information specified in paragraph (a) of subsection 2 must be disaggregated in the report.

4. As used in this section: (a) “ Provider ” has the meaning ascribed to it in NRS 690C.070 . (b) “ Service contract ” has the meaning ascribed to it in NRS 690C.080 .
Nev. Rev. Stat. § 693A.650 — NV Code / Title 57 / Chapter 693A / Section 693A.650
Mutual insurance holding company: Production of records, books or other information and papers
Status: in_force

The Commissioner may order the production of any records, books or other information and papers in the possession of a mutual insurance holding company or its affiliates as is reasonably necessary to ascertain the financial condition of the reorganized stock insurer or to determine compliance with this title.
Nev. Rev. Stat. § 685A.031 — NV Code / Title 57 / Chapter 685A / Section 685A.031
“Broker” defined
Status: in_force

“ Broker ” means a surplus lines broker duly licensed as such under this chapter.
Nev. Rev. Stat. § 686C.065 — NV Code / Title 57 / Chapter 686C / Section 686C.065
“Called assessment” defined
Status: in_force

“ Called assessment ” or “ called ” as used in the context of assessments means or describes an authorized assessment required by a notice mailed by the Association to member insurers to be paid within the time set forth in the notice.
Nev. Rev. Stat. § 686C.115 — NV Code / Title 57 / Chapter 686C / Section 686C.115
“Principal place of business” defined
Status: in_force

1. “ Principal place of business ” of an organization means the single state in which the natural persons who establish policy for the direction, control and coordination of the operations of the organization as a whole primarily perform that function, determined by the Association in its reasonable judgment by considering: (a) The state in which the primary executive and administrative headquarters of the organization is located; (b) The state in which the principal office of the chief executive officer of the organization is located; (c) The state in which the board of directors, or similar governing authority, of the organization conducts the majority of its meetings; (d) The state in which the executive or managerial committee of the board of directors, or similar governing authority, of the organization conducts the majority of its meetings; and (e) The state from which the management of the overall operations of the organization is directed.

2. “ Principal place of business ” of the sponsor of a benefit plan means the principal place of business of the association, committee, joint board of trustees or similar group of representatives of the parties who establish or maintain the plan or, if that cannot be ascertained, of the employer or the employee organization that has the largest investment in the plan, except that in either case if more than half of the participants of the plan are employed in one state, it means that state. In the case of a benefit plan sponsored by affiliated companies comprising a consolidated corporation, it means the state in which the holding company or controlling affiliate has its principal place of business as determined by using the factors set forth in subsection 1.
Nev. Rev. Stat. § 695C.161 — NV Code / Title 57 / Chapter 695C / Section 695C.161
Definitions
Status: in_force

As used in NRS 695C.161 to 695C.169 , inclusive, unless the context otherwise requires:

1. “Medicaid” means a program established in any state pursuant to Title XIX of the Social Security Act ( 42 U.S.C. §§ 1396 et seq. ) to provide assistance for part or all of the cost of medical care rendered on behalf of indigent persons.

2. “Order for medical coverage” means an order of a court or administrative tribunal to provide coverage under a health care plan to a child pursuant to the provisions of 42 U.S.C. § 1396g-1 .
Nev. Rev. Stat. § 689A.413 — NV Code / Title 57 / Chapter 689A / Section 689A.413
Insurer prohibited from denying coverage solely because claim involves act that constitutes domestic violence or applicant or insured was victim of domestic violence
Status: in_force

An insurer shall not deny a claim, refuse to issue a policy of health insurance or cancel a policy of health insurance solely because the claim involves an act that constitutes domestic violence pursuant to NRS 33.018 , or because the person applying for or covered by the health insurance policy was the victim of such an act of domestic violence, regardless of whether the insured or applicant contributed to any loss or injury.
Nev. Rev. Stat. § 689B.490 — NV Code / Title 57 / Chapter 689B / Section 689B.490
Written certification of coverage required for purpose of determining period of creditable coverage accumulated by person
Status: in_force

1. For the purpose of determining the period of creditable coverage of a person accumulated under a health benefit plan, blanket accident and health insurance or group health insurance, the insurer shall provide written certification on a form prescribed by the Commissioner of coverage to the person which certifies the length of: (a) The period of creditable coverage that the person accumulated under the plan and any coverage under any provision of the Consolidated Omnibus Budget Reconciliation Act of 1985, as that act existed on July 16, 1997, relating to the continuation of coverage; and (b) Any waiting and affiliation period imposed on the person pursuant to that coverage.

2. The certification of coverage must be provided to the person who was insured: (a) At the time that the person ceases to be covered under the plan, if the person does not otherwise become covered under any provision of the Consolidated Omnibus Budget Reconciliation Act of 1985, as that act existed on July 16, 1997, relating to the continuation of coverage; (b) If the person becomes covered under such a provision, at the time that the person ceases to be covered by that provision; and (c) Upon request, if the request is made not later than 24 months after the date on which the person ceased to be covered as described in paragraphs (a) and (b).
Nev. Rev. Stat. § 682A.562 — NV Code / Title 57 / Chapter 682A / Section 682A.562
Derivative transactions: Limitations on hedging transactions
Status: in_force

An insurer may enter into hedging transactions under NRS 682A.560 to 682A.568 , inclusive, if, as a result of and after giving effect to the transaction:

1. The aggregate statement value of options, caps, floors and warrants not attached to another financial instrument purchased and used in hedging transactions does not exceed 7.5 percent of its admitted assets;

2. The aggregate statement value of options, caps and floors written in hedging transactions does not exceed 3 percent of its admitted assets; and

3. The aggregate potential exposure of collars, swaps, forwards and futures used in hedging transactions does not exceed 6.5 percent of its admitted assets.
Nev. Rev. Stat. § 695F.160 — NV Code / Title 57 / Chapter 695F / Section 695F.160
Rates and charges: Reasonableness
Status: in_force

The rates and charges for a limited health service must be reasonable. The Commissioner may request information from the prepaid limited health service organization to determine the reasonableness of those rates and charges.
Nev. Rev. Stat. § 686A.620 — NV Code / Title 57 / Chapter 686A / Section 686A.620
“Affiliate” defined
Status: in_force

“ Affiliate ” means any company that controls, is controlled by or is under common control with another company.
Nev. Rev. Stat. § 689B.0378 — NV Code / Title 57 / Chapter 689B / Section 689B.0378
Required provision concerning coverage for drug or device for contraception and related health services; prohibited acts; exceptions
Status: in_force

1. Except as otherwise provided in subsection 8, an insurer that offers or issues a policy of group health insurance shall include in the policy coverage for: (a) Up to a 12-month supply, per prescription, of any type of drug for contraception or its therapeutic equivalent which is: (1) Lawfully prescribed or ordered; (2) Approved by the Food and Drug Administration; (3) Listed in subsection 12; and (4) Dispensed in accordance with NRS 639.28075 ; (b) Any type of device for contraception which is: (1) Lawfully prescribed or ordered; (2) Approved by the Food and Drug Administration; and (3) Listed in subsection 12; (c) Self-administered hormonal contraceptives dispensed by a pharmacist pursuant to NRS 639.28078 ; (d) Insertion of a device for contraception or removal of such a device if the device was inserted while the insured was covered by the same policy of group health insurance; (e) Education and counseling relating to the initiation of the use of contraception and any necessary follow-up after initiating such use; (f) Management of side effects relating to contraception; and (g) Voluntary sterilization for women.

2. An insurer shall provide coverage for any services listed in subsection 1 which are within the authorized scope of practice of a pharmacist when such services are provided by a pharmacist who is employed by or serves as an independent contractor of an in-network pharmacy and in accordance with the applicable network contract. Such coverage must be provided to the same extent as if the services were provided by another provider of health care, as applicable to the services being provided. The terms of the policy must not limit: (a) Coverage for services listed in subsection 1 and provided by such a pharmacist to a number of occasions less than the coverage for such services when provided by another provider of health care. (b) Reimbursement for services listed in subsection 1 and provided by such a pharmacist to an amount less than the amount reimbursed for similar services provided by a physician, physician assistant or advanced practice registered nurse.

3. 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.

4. If a covered therapeutic equivalent listed in subsection 1 is not available or a provider of health care deems a covered therapeutic equivalent to be medically inappropriate, an alternate therapeutic equivalent prescribed by a provider of health care must be covered by the insurer.

5. Except as otherwise provided in subsections 10, 11 and 13, an insurer that offers or issues a policy of group 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 included in the policy pursuant to subsection 1; (b) Refuse to issue a policy of group health insurance or cancel a policy of group 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 to 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.

6. Coverage pursuant to this section for the covered dependent of an insured must be the same as for the insured.

7. Except as otherwise provided in subsection 8, a policy subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after January 1, 2024, has the legal effect of including the coverage required by this section, and any provision of the policy or the renewal which is in conflict with this section is void.

8. An insurer that offers or issues a policy of group health insurance and which is affiliated with a religious organization is not required to provide the coverage required by subsection 1 if the insurer objects on religious grounds. Such an insurer shall, before the issuance of a policy of group health insurance and before the renewal of such a policy, provide to the group policyholder or prospective insured, as applicable, written notice of the coverage that the insurer refuses to provide pursuant to this subsection.

9. If an insurer refuses, pursuant to subsection 8, to provide the coverage required by subsection 1, an employer may otherwise provide for the coverage for the employees of the employer.

10. An insurer may require an insured to pay a higher deductible, copayment or coinsurance for a drug for contraception if the insured refuses to accept a therapeutic equivalent of the drug.

11. For each of the 18 methods of contraception listed in subsection 12 that have been approved by the Food and Drug Administration, a policy of group health insurance must include at least one drug or device for contraception within each method for which no deductible, copayment or coinsurance may be charged to the insured, but the insurer may charge a deductible, copayment or coinsurance for any other drug or device that provides the same method of contraception. If the insurer charges a copayment or coinsurance for a drug for contraception, the insurer may only require an insured to pay the copayment or coinsurance: (a) Once for the entire amount of the drug dispensed for the plan year; or (b) Once for each 1-month supply of the drug dispensed.

12. The following 18 methods of contraception must be covered pursuant to this section: (a) Voluntary sterilization for women; (b) Surgical sterilization implants for women; (c) Implantable rods; (d) Copper-based intrauterine devices; (e) Progesterone-based intrauterine devices; (f) Injections; (g) Combined estrogen- and progestin-based drugs; (h) Progestin-based drugs; (i) Extended- or continuous-regimen drugs; (j) Estrogen- and progestin-based patches; (k) Vaginal contraceptive rings; (l) Diaphragms with spermicide; (m) Sponges with spermicide; (n) Cervical caps with spermicide; (o) Female condoms; (p) Spermicide; (q) Combined estrogen- and progestin-based drugs for emergency contraception or progestin-based drugs for emergency contraception; and (r) Ulipristal acetate for emergency contraception.

13. 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.

14. An insurer shall not: (a) Use medical management techniques to require an insured to use a method of contraception other than the method prescribed or ordered by a provider of health care; (b) Require an insured to obtain prior authorization for the benefits described in paragraphs (a) and (c) of subsection 1; or (c) Refuse to cover a contraceptive injection or the insertion of a device described in paragraph (c), (d) or (e) of subsection 12 at a hospital immediately after an insured gives birth.

15. An insurer must provide an accessible, transparent and expedited process which is not unduly burdensome by which an insured, or the authorized representative of the insured, may request an exception relating to any medical management technique used by the insurer to obtain any benefit required by this section without a higher deductible, copayment or coinsurance.

16. As used in this section: (a) “ In-network pharmacy ” means a pharmacy that has entered into a contract with an insurer to provide services to insureds through a network plan offered or issued by the insurer. (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 group 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 network contract ” means a contract between an insurer and a provider of health care or pharmacy specifying the rights and responsibilities of the insurer and the provider of health care or pharmacy, as applicable, for delivery of health care services pursuant to a network plan. (e) “ Provider of health care ” has the meaning ascribed to it in NRS 629.031 . (f) “ Therapeutic equivalent ” means a drug which: (1) Contains an identical amount of the same active ingredients in the same dosage and method of administration as another drug; (2) Is expected to have the same clinical effect when administered to a patient pursuant to a prescription or order as another drug; and (3) Meets any other criteria required by the Food and Drug Administration for classification as a therapeutic equivalent.
Nev. Rev. Stat. § 695H.010 — NV Code / Title 57 / Chapter 695H / Section 695H.010
Definitions
Status: in_force

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 695H.020 to 695H.060 , inclusive, have the meanings ascribed to them in those sections.
Nev. Rev. Stat. § 689.555 — NV Code / Title 57 / Chapter 689 / Section 689.555
Prepaid contracts: Maximum sales commission
Status: in_force

The sales commission on any prepaid contract must not exceed 40 percent of the purchase price.
Nev. Rev. Stat. § 692C.3506 — NV Code / Title 57 / Chapter 692C / Section 692C.3506
Contents and preparation; regulations
Status: in_force

1. Except as otherwise provided in subsection 2, an insurer or insurance group may exercise discretion over the responses to inquiries in the corporate governance annual disclosure if the corporate governance annual disclosure contains the material information necessary to allow the Commissioner to gain an understanding of the corporate governance structure, policies and practices of the insurer or insurance group. The Commissioner may request additional information that he or she determines is material and necessary to gain a clear understanding of the corporate governance policies or the reporting, information system or controls implementing the corporate governance policies of the insurer or insurance group.

2. Each insurer or insurance group shall prepare its corporate governance annual disclosure in a manner that is consistent with the instructions adopted by the Commissioner by regulation for the corporate governance annual disclosure. The insurer or insurance group shall maintain documentation and supporting information and make such material available upon examination or request by the Commissioner.
Nev. Rev. Stat. § 692C.090 — NV Code / Title 57 / Chapter 692C / Section 692C.090
“Security holder” defined
Status: in_force

“ Security holder ” means one who owns any security of a designated person, including common stock, preferred stock, debt obligations, and any other security convertible into or evidencing the right to acquire any of the foregoing.
Nev. Rev. Stat. § 692C.075 — NV Code / Title 57 / Chapter 692C / Section 692C.075
“Involved insurer” defined
Status: in_force

“ Involved insurer ” includes an insurer that:

1. Acquires a person or is acquired by a person;

2. Is affiliated with an insurer that acquires a person or is acquired by a person; or

3. Is the result of a merger.
Nev. Rev. Stat. § 695B.1909 — NV Code / Title 57 / Chapter 695B / Section 695B.1909
Contract covering treatment of cancer through use of chemotherapy: Prohibited acts related to orally administered chemotherapy
Status: in_force

1. An insurer that offers or issues a contract for hospital or medical service which provides coverage for the treatment of cancer through the use of chemotherapy shall not: (a) Require a copayment, deductible or coinsurance amount for chemotherapy administered orally by means of a prescription drug in a combined amount that is more than $100 per prescription. The limitation on the amount of the deductible that may be required pursuant to this paragraph does not apply to a health benefit plan, as defined in NRS 687B.470 , if the health benefit plan is a high deductible health plan, as defined in 26 U.S.C. § 223 , and the amount of the annual deductible has not been satisfied. (b) Make the coverage subject to monetary limits that are less favorable for chemotherapy administered orally by means of a prescription drug than the monetary limits applicable to chemotherapy which is administered by injection or intravenously. (c) Decrease the monetary limits applicable to chemotherapy administered orally by means of a prescription drug or to chemotherapy which is administered by injection or intravenously to meet the requirements of this section.

2. A contract subject to the provisions of this chapter which provides coverage for the treatment of cancer through the use of chemotherapy and that is delivered, issued for delivery or renewed on or after January 1, 2015, has the legal effect of providing that coverage subject to the requirements of this section, and any provision of the contract or renewal which is in conflict with this section is void.

3. Nothing in this section shall be construed as requiring an insurer to provide coverage for the treatment of cancer through the use of chemotherapy administered by injection or intravenously or administered orally by means of a prescription drug.
Nev. Rev. Stat. § 689A.140 — NV Code / Title 57 / Chapter 689A / Section 689A.140
Physical examination and autopsy
Status: in_force

There shall be a provision as follows:

Physical Examinations and Autopsy: The insurer at its own expense shall have the right and opportunity to examine the person of the insured when and as often as it may reasonably require during the pendency of a claim hereunder and to make an autopsy in case of death where it is not forbidden by law.
Nev. Rev. Stat. § 687A.033 — NV Code / Title 57 / Chapter 687A / Section 687A.033
“Covered claim” defined
Status: in_force

1. “ Covered claim ” means an unpaid claim or judgment, including a claim for unearned premiums, which arises out of and is within the coverage of an insurance policy to which this chapter applies if the insurer becomes an insolvent insurer, the policy was issued by the insurer or assumed by the insurer in an assumed claims transaction, and one of the following conditions exists: (a) The claimant or insured, if a natural person, is a resident of this State at the time of the insured event. (b) The claimant or insured, if other than a natural person, maintains its principal place of business in this State at the time of the insured event. (c) The property from which the first party property damage claim arises is permanently located in this State.

2. The term does not include: (a) An amount awarded as punitive or exemplary damages. (b) A fine or penalty paid to a governmental authority. (c) An amount sought as a return of premium under any retrospective rating plan. (d) An amount due any reinsurer, insurer, insurance pool, underwriting association, health maintenance organization, hospital plan corporation, professional health service corporation or self-insurer as subrogation recoveries, reinsurance recoveries, contribution, indemnification or otherwise. (e) Except as otherwise provided in this paragraph, any claim filed with the Association: (1) More than 25 months after the date of the order of liquidation; or (2) After the final date set by the court for the filing of claims against the liquidator or receiver of the insolvent insurer, whichever is earlier. The provisions of this paragraph do not apply to a claim for workers' compensation that is reopened pursuant to the provisions of NRS 616C.390 or 616C.392 . (f) A claim filed with the Association for a loss that is incurred but is not reported to the Association before the expiration of the period specified in subparagraph (1) or (2) of paragraph (e). (g) A first-party claim by an insured whose net worth exceeds $10,000,000 on December 31 of the year immediately preceding the date the insurer becomes an insolvent insurer. (h) A third-party claim relating to a policy of an insured whose net worth exceeds $25,000,000 on December 31 of the year immediately preceding the date the insurer becomes an insolvent insurer. (i) A claim that would otherwise be a covered claim, but is an obligation to or on behalf of a person who has a net worth greater than that allowed by the insurance guaranty association law of the state of residence of the claimant at the time specified by such law, and which association has denied coverage to that claimant on that basis. (j) A first-party claim by an insured which is an affiliate of the insolvent insurer. (k) A fee or other amount relating to goods or services sought by or on behalf of any attorney or other provider of goods or services retained by the insolvent insurer or an insured before the date the insurer was determined to be insolvent. (l) A fee or other amount sought by or on behalf of any attorney or other provider of goods or services retained by any insured or claimant in connection with the assertion or prosecution of any claim, covered or otherwise, against the Association. (m) A claim for interest.

3. For the purposes of paragraphs (g) and (h) of subsection 2, an insured's net worth on the applicable date shall be deemed to include the aggregate net worth of the insured and all of the insured's subsidiaries and affiliates as calculated on a consolidated basis.

4. The provisions of paragraphs (g) and (h) of subsection 2 do not apply to a claim for workers' compensation.

5. The provisions of paragraph (h) of subsection 2 do not apply to third-party claims against the insured where the insured has applied for or consented to the appointment of a receiver, trustee or liquidator for all or a substantial part of the insured's assets, filed a voluntary petition in bankruptcy, filed a petition or an answer seeking a reorganization or arrangement with creditors or to take advantage of any insolvency law, or if an order, judgment or decree is entered by a court of competent jurisdiction, on the application of a creditor, adjudicating the insured bankrupt or insolvent or approving a petition seeking reorganization of the insured or of all or substantial part of its assets.

6. As used in this section, “ affiliate ” means a person who directly or indirectly owns or controls, is owned or controlled by, or is under common ownership or control with, another person. For the purpose of this definition, the terms “ owns ,” “ is owned ” and “ ownership ” mean ownership of an equity interest, or the equivalent thereof, of 10 percent or more.
Nev. Rev. Stat. § 695E.090 — NV Code / Title 57 / Chapter 695E / Section 695E.090
“Product liability” defined
Status: in_force

“Product liability” means liability for damages because of any personal injury, death, emotional harm, consequential economic damage or damage to property, including damages resulting from the loss of use of property, arising out of the manufacture, design, importation, distribution, packaging, labeling, lease or sale of a product, but does not include the liability of any person for those damages if the product involved was in the possession of that person when the incident giving rise to the claim occurred.
Nev. Rev. Stat. § 695G.060 — NV Code / Title 57 / Chapter 695G / Section 695G.060
“Primary care physician” defined
Status: in_force

“ Primary care physician ” means a physician or group of physicians who:

1. Provides initial and primary health care services to an insured;

2. Maintains the continuity of care for the insured; and

3. May refer the insured to a specialized provider of health care.
Nev. Rev. Stat. § 691D.080 — NV Code / Title 57 / Chapter 691D / Section 691D.080
“Supervising entity” defined
Status: in_force

“ Supervising entity ” means a business or entity that is a licensed insurer or producer of insurance.
Nev. Rev. Stat. § 695G.010 — NV Code / Title 57 / Chapter 695G / Section 695G.010
Definitions
Status: in_force

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 695G.012 to 695G.085 , inclusive, have the meanings ascribed to them in those sections.
Nev. Rev. Stat. § 695I.330 — NV Code / Title 57 / Chapter 695I / Section 695I.330
Compensation of members; per diem and travel expenses
Status: in_force

1. To the extent that money is available for that purpose, each member of the Board who is not an officer or employee of the State of Nevada or a political subdivision of the State is entitled to receive a salary of not more than $80 per day, as fixed by the Executive Director, for each day or portion of a day spent on the business of the Board.

2. If sufficient money is available from federal grant funds or revenues generated by the Exchange, each member is entitled to receive the per diem allowance and travel expenses provided for state officers and employees generally while attending meetings of the Board or otherwise engaged in the business of the Board.
Nev. Rev. Stat. § 686A.300 — NV Code / Title 57 / Chapter 686A / Section 686A.300
Delay in payment of claim for damages to motor vehicle after receipt of statement of charges prohibited; settling claim without providing for repair of vehicle permitted; exception
Status: in_force

1. An insurer who issues insurance covering damage to a motor vehicle shall not delay making payment for any claim involving damage to a motor vehicle after receiving a statement of charges, pursuant to the provisions of NRS 487.6893 , from any garage or licensed body shop previously authorized by the insured to perform the repairs required by that claim.

2. A delay, within the meaning of this section, is failure to issue a check or draft, payable to the garage or licensed body shop or jointly to the insured and the garage or licensed body shop, within 30 days after the insurer's receipt of the statement of charges for repairs which have been satisfactorily completed.

3. If the damaged vehicle is subject to a security interest or the legal owner of the damaged vehicle is different from the registered owner, the vehicle must be repaired by a garage or licensed body shop unless: (a) The insurer has declared the vehicle a total loss; or (b) The total charge for the repair of the vehicle, as set forth in the statement of charges presented pursuant to NRS 487.6893 , is $300 or less.

4. Except as otherwise provided in subsection 3, nothing in this section shall be deemed to prohibit an insurer and insured from settling a claim involving damage to a motor vehicle without providing for the repair of the vehicle.

5. As used in this section, “ licensed body shop ” means a body shop for which a license has been issued pursuant to chapter 487 of NRS .
Nev. Rev. Stat. § 695B.290 — NV Code / Title 57 / Chapter 695B / Section 695B.290
Agent's license required
Status: in_force

Any agent of a nonprofit hospital or medical or dental service corporation who acts as such in the solicitation, negotiation, procurement or making of a hospital service or medical or dental care contract shall be qualified, examined and licensed in the same manner and pay the same fees as provided for a producer of insurance in NRS 680B.010 (fee schedule), chapter 683A of NRS and, in addition to any other fee or charge, all applicable fees required pursuant to NRS 680C.110 .
Nev. Rev. Stat. § 683A.0868 — NV Code / Title 57 / Chapter 683A / Section 683A.0868
Prohibiting fee to include provider of health care on panel; penalty; costs and attorney's fees; suspension of activities
Status: in_force

1. If an administrator establishes a panel of providers of health care or contracts with an organization that establishes a panel of providers of health care, the administrator shall not charge a provider of health care or such an organization: (a) Any fee to include the name of the provider of health care on the panel; or (b) Any other fee related to establishing the provider of health care as a provider on the panel.

2. If an administrator violates the provisions of subsection 1, the administrator shall pay to the provider of health care or organization, as appropriate, an amount that is equal to twice the fee charged to the provider of health care or the organization.

3. A court shall award costs and reasonable attorney's fees to the prevailing party in any action brought to enforce the provisions of this section.

4. In addition to any relief granted pursuant to this section, if an administrator violates the provisions of subsection 1, the Division shall require the administrator to suspend the prohibited activities until the administrator, as determined by the Division: (a) Complies with the provisions of subsection 1; and (b) Refunds to all providers of health care or organizations, as appropriate, all fees obtained by the administrator in violation of subsection 1.
Nev. Rev. Stat. § 682A.133 — NV Code / Title 57 / Chapter 682A / Section 682A.133
“Market value” defined
Status: in_force

“ Market value ” means:

1. As to cash and letters of credit, the face amounts thereof; and

2. As to a security as of any date, the price for the security on that date obtained from a generally recognized source or the most recent quotation from such a source or, to the extent no generally recognized source exists, the price for the security as determined in good faith by the parties to a transaction, plus accrued but unpaid income thereon to the extent not included in the price on that date.
Nev. Rev. Stat. § 695B.2555 — NV Code / Title 57 / Chapter 695B / Section 695B.2555
Benefits payable under converted contract authorized to be reduced by amount payable under group contract; limitation
Status: in_force

A converted contract may provide that any hospital, surgical or medical benefits payable under it may be reduced by the amount of any benefits payable under the group contract after his or her termination. A converted contract may provide that during the first contract year the benefits payable under it, together with the benefits payable under the group contract, must not exceed those that would have been payable if the subscriber's coverage under the group contract had remained in effect.
Nev. Rev. Stat. § 682A.500 — NV Code / Title 57 / Chapter 682A / Section 682A.500
Applicability
Status: in_force

NRS 682A.500 to 682A.572 , inclusive, apply to the investments and investment practices of property and casualty, financial guaranty and mortgage guaranty insurers.
Nev. Rev. Stat. § 695G.1675 — NV Code / Title 57 / Chapter 695G / Section 695G.1675
Plan covering prescription drug for treatment of cancer or cancer symptom that is part of step therapy protocol: Managed care organization required to allow insured or attending practitioner to apply for exemption from step therapy protocol in certain circumstances; procedure for applying for and granting exemption
Status: in_force

1. A managed care organization that offers or issues a health care plan which provides coverage of a prescription drug for the treatment of cancer or any symptom of cancer that is part of a step therapy protocol shall allow an insured who has been diagnosed with stage 3 or 4 cancer or the attending practitioner of the insured to apply for an exemption from the step therapy protocol. The application process for such an exemption must: (a) Allow the insured or attending practitioner, or a designated advocate for the insured or attending practitioner, to present to the managed care organization the clinical rationale for the exemption and any relevant medical information. (b) Clearly prescribe the information and supporting documentation that must be submitted with the application, the criteria that will be used to evaluate the request and the conditions under which an expedited determination pursuant to subsection 4 is warranted. (c) Require the review of each application by at least one physician, registered nurse or pharmacist.

2. The information and supporting documentation required pursuant to paragraph (b) of subsection 1: (a) May include, without limitation: (1) The medical history or other health records of the insured demonstrating that the insured has: (I) Tried other drugs included in the pharmacological class of drugs for which the exemption is requested without success; or (II) Taken the requested drug for a clinically appropriate amount of time to establish stability in relation to the cancer and the guidelines of the prescribing practitioner; and (2) Any other relevant clinical information. (b) Must not include any information or supporting documentation that is not necessary to make a determination about the application.

3. Except as otherwise provided in subsection 4, a managed care organization that receives an application for an exemption pursuant to subsection 1 shall: (a) Make a determination concerning the application if the application is complete or request additional information or documentation necessary to complete the application not later than 72 hours after receiving the application; and (b) If it requests additional information or documentation, make a determination concerning the application not later than 72 hours after receiving the requested information or documentation.

4. If, in the opinion of the attending practitioner, a step therapy protocol may seriously jeopardize the life or health of the insured, a managed care organization that receives an application for an exemption pursuant to subsection 1 must make a determination concerning the application as expeditiously as necessary to avoid serious jeopardy to the life or health of the insured.

5. A managed care organization shall disclose to the insured or attending practitioner who submits an application for an exemption from a step therapy protocol pursuant to subsection 1 the qualifications of each person who will review the application.

6. A managed care organization must grant an exemption from a step therapy protocol in response to an application submitted pursuant to subsection 1 if: (a) Any treatment otherwise required under the step therapy or any drug in the same pharmacological class or having the same mechanism of action as the drug for which the exemption is requested has not been effective at treating the cancer or symptom of the insured when prescribed in accordance with clinical indications, clinical guidelines or other peer-reviewed evidence; (b) Delay of effective treatment would have severe or irreversible consequences for the insured and the treatment otherwise required under the step therapy is not reasonably expected to be effective based on the physical or mental characteristics of the insured and the known characteristics of the treatment; (c) Each treatment otherwise required under the step therapy: (1) Is contraindicated for the insured or has caused or is likely, based on peer-reviewed clinical evidence, to cause an adverse reaction or other physical harm to the insured; or (2) Has prevented or is likely to prevent the insured from performing the responsibilities of his or her occupation or engaging in activities of daily living, as defined in 42 C.F.R. § 441.505 ; (d) The condition of the insured is stable while being treated with the prescription drug for which the exemption is requested and the insured has previously received approval for coverage of that drug; or (e) Any other condition for which such an exemption is required by regulation of the Commissioner is met.

7. If a managed care organization approves an application for an exemption from a step therapy protocol pursuant to this section, the managed care organization must cover the prescription drug to which the exemption applies in accordance with the terms of the applicable health care plan. The managed care organization may initially limit the coverage to a 1-week supply of the drug for which the exemption is granted. If the attending practitioner determines after 1 week that the drug is effective at treating the cancer or symptom for which it was prescribed, the managed care organization must continue to cover the drug for as long as it is necessary to treat the insured for the cancer or symptom. The managed care organization may conduct a review not more frequently than once each quarter to determine, in accordance with available medical evidence, whether the drug remains necessary to treat the insured for the cancer or symptom. The managed care organization shall provide a report of the review to the insured.

8. A managed care organization shall post in an easily accessible location on an Internet website maintained by the managed care organization a form for requesting an exemption pursuant to this section.

9. A health care plan subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after January 1, 2022, has the legal effect of including the coverage required by this section, and any provision of the health care plan that conflicts with this section is void.

10. As used in this section, “ attending practitioner ” means the practitioner, as defined in NRS 639.0125 , who has primary responsibility for the treatment of the cancer or any symptom of such cancer of an insured.
Nev. Rev. Stat. § 681A.580 — NV Code / Title 57 / Chapter 681A / Section 681A.580
Rights of relevant parties not limited or expanded
Status: in_force

NRS 681A.250 to 681A.580 , inclusive, do not limit or restrict the rights of policyholders, claimants, creditors or other third parties or confer any rights on such persons.
Nev. Rev. Stat. § 679B.260 — NV Code / Title 57 / Chapter 679B / Section 679B.260
Appraisal of asset
Status: in_force

1. If the Commissioner deems it necessary to value any asset involved in such an examination, the Commissioner may make written request of the person being examined to appoint one or more appraisers who by reason of education, experience or special training, and disinterest, are competent to appraise the asset. Selection of any such appraiser shall be subject to the written approval of the Commissioner. If no such appointment is made within 10 days after the request therefor was delivered to such person, the Commissioner may appoint the appraiser or appraisers.

2. Any such appraisal shall be expeditiously made, and a copy thereof furnished to the Commissioner and to the person being examined.

3. The reasonable expense of the appraisal shall be borne by the person being examined.
Nev. Rev. Stat. § 688C.150 — NV Code / Title 57 / Chapter 688C / Section 688C.150
“Viator” defined
Status: in_force

1. “ Viator ” means the owner of a policy or the holder of a certificate of insurance under a policy of group insurance who resides in this State and who enters or seeks to enter into a viatical settlement. The term is not limited to an owner who is terminally or chronically ill except where that limitation is expressly provided.

2. The term does not include: (a) A producer of life insurance acting as a broker of viatical settlements pursuant to this chapter; (b) A qualified institutional buyer as defined in Rule 144A 1 of the federal Securities Act of 1933, 15 U.S.C. §§ 77a et seq., as amended; (c) A financing agent; or (d) A special organization.

1 17 C.F.R. 230.144A
Nev. Rev. Stat. § 682A.558 — NV Code / Title 57 / Chapter 682A / Section 682A.558
Calculation of foreign investments for purposes of determining compliance with limitations
Status: in_force

Investments acquired in conformance with NRS 682A.550 to 682A.558 , inclusive, must be aggregated with investments of the same types made under this chapter, and in a similar manner, for purposes of determining compliance with the limitations, if any, contained in this chapter. Investments in obligations of foreign governments, their political subdivisions and government-sponsored enterprises of these persons, except for those exempted in accordance with the provisions of NRS 682A.554 and 682A.556 , are subject to the limitations of NRS 682A.512 , 682A.514 and 682A.516 .
Nev. Rev. Stat. § 683A.376 — NV Code / Title 57 / Chapter 683A / Section 683A.376
Definitions
Status: in_force

As used in NRS 683A.375 to 683A.379 , inclusive:

1. “ Agent who performs utilization review ” includes any person who performs such review except a person acting on behalf of the Federal Government, but only to the extent that the person provides the service for the Federal Government or an agency thereof.

2. “ Insured ” means a natural person who has contracted for or participates in coverage under a policy of insurance, a contract with a health maintenance organization, a plan for hospital, medical or dental services or any other program providing payment, reimbursement or indemnification for the costs of health care for the natural person, his or her dependents, or both.

3. “ Utilization review ” means a system that provides, at a minimum, for review of the necessity and appropriateness of the allocation of health care resources and services provided or proposed to be provided to an insured or to any person claiming benefits against a policy of the insured. The term does not include responding to requests made by an insured for clarification of his or her coverage.
Nev. Rev. Stat. § 682A.103 — NV Code / Title 57 / Chapter 682A / Section 682A.103
“Income” defined
Status: in_force

“ Income ” means, as to a security, interest, accrual of discount, dividends or other distributions, including, without limitation, rights, tax or assessment credits, warrants and distributions in kind.
Nev. Rev. Stat. § 691C.200 — NV Code / Title 57 / Chapter 691C / Section 691C.200
“Nonfiling insurance” defined
Status: in_force

“ Nonfiling insurance ” means insurance that indemnifies the creditor for loss of its interest in the collateral due to failure to perfect a security interest in the collateral.
Nev. Rev. Stat. § 695B.19197 — NV Code / Title 57 / Chapter 695B / Section 695B.19197
Required provision concerning coverage for certain drugs and services related to substance use disorder and opioid use disorder; reimbursement of pharmacists and pharmacies for certain services; prohibited acts
Status: in_force

1. A hospital or medical services corporation that offers or issues a policy of health insurance shall include in the policy coverage for: (a) All drugs approved by the United States Food and Drug Administration to support safe withdrawal from substance use disorder, including, without limitation, lofexidine. (b) All drugs approved by the United States Food and Drug Administration to provide medication-assisted treatment for opioid use disorder, including, without limitation, buprenorphine, methadone and naltrexone. (c) The services described in NRS 639.28079 when provided by a pharmacist or pharmacy that participates in the network plan of the hospital or medical services corporation. The Commissioner shall adopt regulations governing the provision of reimbursement for such services. (d) Any service for the treatment of substance use disorder provided by a provider of primary care if the service is covered when provided by a specialist and: (1) The service is within the scope of practice of the provider of primary care; or (2) The provider of primary care is capable of providing the service safely and effectively in consultation with a specialist and the provider engages in such consultation.

2. A hospital or medical services corporation that offers or issues a policy of health insurance shall reimburse a pharmacist or pharmacy that participates in the network plan of the hospital or medical services corporation for the services described in NRS 639.28079 at a rate equal to the rate of reimbursement provided to a physician, physician assistant or advanced practice registered nurse for similar services.

3. A hospital or medical services corporation shall provide the coverage required by paragraphs (a) and (b) of subsection 1 regardless of whether the drug is included in the formulary of the hospital or medical services corporation.

4. Except as otherwise provided in this subsection, a hospital or medical services corporation shall not subject the benefits required by paragraphs (a), (b) and (c) of subsection 1 to medical management techniques, other than step therapy. A hospital or medical services corporation may subject the benefits required by paragraphs (b) and (c) of subsection 1 to other reasonable medical management techniques when the benefits are provided by a pharmacist in accordance with NRS 639.28079 .

5. A hospital or medical services corporation shall not: (a) Limit the covered amount of a drug described in paragraph (a) or (b) of subsection 1; or (b) Refuse to cover a drug described in paragraph (a) or (b) of subsection 1 because the drug is dispensed by a pharmacy through mail order service.

6. A hospital or medical services corporation shall 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 hospital or medical services corporation.

7. A policy of health insurance subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after January 1, 2024, has the legal effect of including the coverage required by subsection 1, and any provision of the policy that conflicts with the provisions of this section is void.

8. As used in this section: (a) “ Medical management technique ” means a practice which is used to control the cost or use of health care services or prescription drugs. The term includes, without limitation, the use of step therapy, prior authorization and categorizing drugs and devices based on cost, type or method of administration. (b) “ Network plan ” means a policy of health insurance offered by a hospital or medical services corporation 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 hospital or medical services corporation. The term does not include an arrangement for the financing of premiums. (c) “ Primary care ” means the practice of family medicine, pediatrics, internal medicine, obstetrics and gynecology and midwifery. (d) “ Provider of health care ” has the meaning ascribed to it in NRS 629.031 .
Nev. Rev. Stat. § 695B.135 — NV Code / Title 57 / Chapter 695B / Section 695B.135
Certificate of authority: Expiration; renewal
Status: in_force

1. A certificate of authority issued pursuant to this chapter expires on March 1 of the year following its date of issuance or renewal.

2. To renew a certificate of authority a corporation for medical service must: (a) File a written request for renewal with the Commissioner; and (b) Pay all applicable fees for renewal for a certificate of authority.

3. The Commissioner may accept a request for renewal received by the Commissioner within 30 days after the expiration of the certificate if the request is accompanied by a fee for renewal of 150 percent of all applicable fees otherwise required, except for any fee required pursuant to NRS 680C.110 .