reglab/housing_qa huggingface dataset:
NV Rev Stat § 689B.0375 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.0375 - Required provision concerning coverage relating to mastectomy.

  1. A policy of group health insurance which provides coverage for the surgical procedure known as a mastectomy must also provide commensurate coverage for:  (a) Reconstruction of the breast on which the mastectomy has been performed;  (b) Surgery and reconstruction of the other breast to produce a symmetrical structure; and  (c) Prostheses and physical complications for all stages of mastectomy, including lymphedemas.  2. The provision of services must be determined by the attending physician and the patient.  3. The plan or issuer may require deductibles and coinsurance payments if they are consistent with those established for other benefits.  4. Written notice of the availability of the coverage must be given upon enrollment and annually thereafter. The notice must be sent to all participants:  (a) In the next mailing made by the plan or issuer to the participant or beneficiary; or  (b) As part of any annual information packet sent to the participant or beneficiary,  whichever is earlier.  5. A plan or issuer may not:  (a) Deny eligibility, or continued eligibility, to enroll or renew coverage, in order to avoid the requirements of subsections 1 to 4, inclusive; or  (b) Penalize, or limit reimbursement to, a provider of care, or provide incentives to a provider of care, in order to induce the provider not to provide the care listed in subsections 1 to 4, inclusive.  6. A plan or issuer may negotiate rates of reimbursement with providers of care.  7. If reconstructive surgery is begun within 3 years after a mastectomy, the amount of the benefits for that surgery must equal those amounts provided for in the policy at the time of the mastectomy. If the surgery is begun more than 3 years after the mastectomy, the benefits provided are subject to all of the terms, conditions and exclusions contained in the policy at the time of the reconstructive surgery.  8. A policy subject to the provisions of this chapter which is delivered, issued for delivery or renewed on or after October 1, 2001, 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.  9. For the purposes of this section, "reconstructive surgery" means a surgical procedure performed following a mastectomy on one breast or both breasts to re-establish symmetry between the two breasts. The term includes augmentation mammoplasty, reduction mammoplasty and mastopexy.  (Added to NRS by 1983, 615; A 1989, 1889; 2001, 2220)
NV Rev Stat § 689B.0376 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.0376 - Policy covering prescription drugs or devices to provide coverage of hormone replacement therapy in certain circumstances; prohibited actions by insurer; exception.

  1. An insurer that offers or issues a policy of group health insurance which provides coverage for prescription drugs or devices shall include in the policy coverage for any type of hormone replacement therapy which is lawfully prescribed or ordered and which has been approved by the Food and Drug Administration.  2. An insurer that offers or issues a policy of group health insurance that provides coverage for prescription drugs 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 a prescription for hormone replacement therapy;  (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 in the future hormone replacement therapy;  (c) Offer or pay any type of material inducement or financial incentive to an insured to discourage the insured from accessing hormone replacement therapy;  (d) Penalize a provider of health care who provides hormone replacement therapy to an insured, including, without limitation, reducing the reimbursement of the provider of health care; or  (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 hormone replacement therapy to an insured.  3. A policy subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after October 1, 1999, has the legal effect of including the coverage required by subsection 1, and any provision of the policy or the renewal which is in conflict with this section is void.  4. The provisions of this section do not require an insurer to provide coverage for fertility drugs.  5. As used in this section, "provider of health care" has the meaning ascribed to it in NRS 629.031.  (Added to NRS by 1999, 1997; A 2017, 1819, 3939)
NV Rev Stat § 689B.03762 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.03762 - Policy covering prescription drugs to provide coverage for drugs irregularly dispensed for purpose of synchronization of chronic medications.

  1. An insurer who offers or issues a policy of group health insurance which provides coverage for prescription drugs:  (a) Must authorize coverage for and may apply a copayment and deductible to a prescription that is dispensed by a pharmacy for less than a 30-day supply if, for the purpose of synchronizing the insured’s chronic medications:  (1) The prescriber or pharmacist determines that filling or refilling the prescription in that manner is in the best interest of the insured; and  (2) The insured requests less than a 30-day supply.  (b) May not deny coverage for a prescription described in paragraph (a) which is otherwise approved for coverage by the insurer.  (c) Unless otherwise provided by a contract or other agreement, may not prorate any pharmacy dispensing fees for a prescription described in paragraph (a).  2. A policy subject to the provisions of this chapter which provides coverage for prescription drugs and that is delivered, issued for delivery or renewed on or after January 1, 2017, has the legal effect of providing that coverage subject to the requirements of this section, and any provision of the policy or renewal which is in conflict with this section is void.  3. The provisions of this section do not apply to unit-of-use packaging for which synchronization is not practicable or to a controlled substance.  4. As used in this section:  (a) "Chronic medication" means any drug that is prescribed to treat any disease or other condition which is determined to be permanent, persistent or lasting indefinitely.  (b) "Synchronization" means the alignment of the dispensing of multiple medications by a single contracted pharmacy for the purpose of improving a patient’s adherence to a prescribed course of medication.  (c) "Unit-of-use packaging" means medication that is prepackaged by the manufacturer in blister packs, compliance packs, course-of-therapy packs or any other packaging which is designed and intended to be dispensed directly to the patient without modification by the dispensing pharmacy, except for the addition of a prescription label.  (Added to NRS by 2015, 2124)
NV Rev Stat § 689B.03764 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.03764 - Policy covering prescription drugs to provide coverage for early refills of topical ophthalmic products.

  1. An insurer who offers or issues a policy of group health insurance which provides coverage for prescription drugs shall not deny coverage for a topical ophthalmic product which is otherwise approved for coverage by the insurer when the insured, pursuant to NRS 639.2395, receives a refill of the product:  (a) After 21 days or more but before 30 days after receiving any 30-day supply of the product;  (b) After 42 days or more but before 60 days after receiving any 60-day supply of the product; or  (c) After 63 days or more but before 90 days after receiving any 90-day supply of the product.  2. The provisions of this section do not affect any deductibles, copayments or coinsurance authorized or required pursuant to the policy of group health insurance.  3. A policy of group health insurance subject to the provisions of this chapter which provides coverage for prescription drugs and that is delivered, issued for delivery or renewed on or after January 1, 2016, has the legal effect of including the coverage required by this section, and any provision of the policy or renewal which is in conflict with this section is void.  4. As used in this section, "topical ophthalmic product" means a liquid prescription drug which is applied directly to the eye from a bottle or by means of a dropper.  (Added to NRS by 2015, 206)
NV Rev Stat § 689B.03766 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.03766 - Policy covering maternity care must not deny coverage for gestational carrier; status of child in relation to intended parent. [Effective January 1, 2020.]

  1. An insurer that offers or issues a policy of group health insurance that includes coverage for maternity care shall not deny, limit or seek reimbursement for maternity care because the insured is acting as a gestational carrier.  2. If an insured acts as a gestational carrier, the child shall be deemed to be a child of the intended parent, as defined in NRS 126.590, for purposes related to the policy of group health insurance.  3. As used in this section, "gestational carrier" has the meaning ascribed to it in NRS 126.580.  (Added to NRS by 2019, 1006, effective January 1, 2020)
NV Rev Stat § 689B.0377 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.0377 - Policy covering outpatient care to provide coverage for health care services related to hormone replacement therapy; prohibited actions by insurer.

  1. An insurer that offers or issues a policy of group health insurance which provides coverage for outpatient care shall include in the policy coverage for any health care service related to hormone replacement therapy.  2. An insurer that offers or issues a policy of group health insurance that provides coverage for outpatient care 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 outpatient care related to hormone replacement therapy;  (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 in the future hormone replacement therapy;  (c) Offer or pay any type of material inducement or financial incentive to an insured to discourage the insured from accessing hormone replacement therapy;  (d) Penalize a provider of health care who provides hormone replacement therapy to an insured, including, without limitation, reducing the reimbursement of the provider of health care; or  (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 hormone replacement therapy to an insured.  3. A policy subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after October 1, 1999, has the legal effect of including the coverage required by subsection 1, and any provision of the policy or the renewal which is in conflict with this section is void.  4. As used in this section, "provider of health care" has the meaning ascribed to it in NRS 629.031.  (Added to NRS by 1999, 1998; A 2017, 1821, 3940)
NV Rev Stat § 689B.0379 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.0379 - Required provision concerning coverage for treatment of temporomandibular joint.

  1. Except as otherwise provided in this section, no policy of group health insurance may be delivered or issued for delivery in this state if it contains an exclusion of coverage of the treatment of the temporomandibular joint whether by specific language in the policy or by a claims settlement practice. A policy may exclude coverage of those methods of treatment which are recognized as dental procedures, including, but not limited to, the extraction of teeth and the application of orthodontic devices and splints.  2. The insurer may limit its liability on the treatment of the temporomandibular joint to:  (a) No more than 50 percent of the usual and customary charges for such treatment actually received by an insured, but in no case more than 50 percent of the maximum benefits provided by the policy for such treatment; and  (b) Treatment which is medically necessary.  3. Any provision of a policy subject to the provisions of this chapter and issued or delivered on or after January 1, 1990, which is in conflict with this section is void.  (Added to NRS by 1989, 2138)
NV Rev Stat § 689B.038 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.038 - Reimbursement for treatments by licensed psychologist.

If any policy of group health insurance provides coverage for treatment of an illness which is within the authorized scope of the practice of a qualified psychologist, the insured is entitled to reimbursement for treatment by a licensed psychologist.  (Added to NRS by 1981, 575; A 1989, 1553; 2017, 935)
NV Rev Stat § 689B.0383 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.0383 - Reimbursement for treatments by licensed marriage and family therapist or licensed clinical professional counselor.

If any policy of group health insurance provides coverage for treatment of an illness which is within the authorized scope of practice of a licensed marriage and family therapist or licensed clinical professional counselor, the insured is entitled to reimbursement for treatment by a marriage and family therapist or clinical professional counselor who is licensed pursuant to chapter 641A of NRS.  (Added to NRS by 1987, 2133; A 2007, 3093)
NV Rev Stat § 689B.0385 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.0385 - Reimbursement for treatments by licensed associate in social work, social worker, independent social worker or clinical social worker.

If any policy of group health insurance provides coverage for treatment of an illness which is within the authorized scope of the practice of a licensed associate in social work, social worker, independent social worker or clinical social worker, the insured is entitled to reimbursement for treatment by an associate in social work, social worker, independent social worker or clinical social worker who is licensed pursuant to chapter 641B of NRS.  (Added to NRS by 1987, 1123)
NV Rev Stat § 689B.039 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.039 - Reimbursement for treatments by chiropractor.

  1. If any group policy of health insurance provides coverage for treatment of an illness which is within the authorized scope of practice of a qualified chiropractor, the insured is entitled to reimbursement for treatments by a chiropractor who is licensed pursuant to chapter 634 of NRS.  2. The terms of the policy must not limit:  (a) Coverage for treatments by a chiropractor to a number less than for treatments by other physicians.  (b) Reimbursement for treatments by a chiropractor to an amount less than that charged for similar treatments by other physicians.  (Added to NRS by 1981, 930; A 1983, 327)
NV Rev Stat § 689B.0393 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.0393 - Reimbursement for treatments by podiatrist.

  1. If any group policy of health insurance provides coverage for treatment of an illness which is within the authorized scope of practice of a qualified podiatrist, the insured is entitled to reimbursement for treatments by a podiatrist who is licensed pursuant to chapter 635 of NRS.  2. The terms of the policy must not limit:  (a) Coverage for treatments by a podiatrist to a number less than for treatments by other physicians.  (b) Reimbursement for treatments by a podiatrist to an amount less than that reimbursed for similar treatments by other physicians.  (Added to NRS by 2007, 1046)
NV Rev Stat § 689B.0397 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.0397 - Reimbursement for treatment by licensed clinical alcohol and drug abuse counselor.

 If any policy of group health insurance provides coverage for treatment of an illness which is within the authorized scope of practice of a licensed clinical alcohol and drug abuse counselor, the insured is entitled to reimbursement for treatment by a clinical alcohol and drug abuse counselor who is licensed pursuant to chapter 641C of NRS unless the clinical alcohol and drug abuse counselor must be directly reimbursed pursuant to:  1. An assignment of benefits described in NRS 687B.409; or  2. Any other applicable assignment of benefits.  (Added to NRS by 2007, 3093; A 2017, 2210)
NV Rev Stat § 689B.040 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.040 - Direct payment for hospital and medical services and home health care; payment to assignee.

  1. Any group health policy may provide that all or any portion of any indemnities provided by any such policy on account of hospital, nursing, medical or surgical services, home health care or supportive services:  (a) May, at the insurer’s option; or  (b) Must, upon the written request of the insured,  be paid directly to the hospital or person rendering the services. Payments made in this manner discharge the insurer’s obligation.  2. If the insured assigns his or her benefits pursuant to this section but the insurer after receiving a copy of the assignment pays the benefits to the insured, the insurer shall also pay the benefits to the assignee as soon as the insurer receives the notice of the incorrect payment.  (Added to NRS by 1971, 1767; A 1975, 448; 1983, 880)
NV Rev Stat § 689B.045 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.045 - Reimbursement for services provided by certain nurses; prohibited limitations; exception.

  1. If any group policy of health insurance provides coverage for services which are within the authorized scope of practice of a registered nurse who is authorized pursuant to chapter 632 of NRS to perform additional acts in an emergency or under other special conditions as prescribed by the State Board of Nursing, and which are reimbursed when provided by another provider of health care, the insured is entitled to reimbursement for services provided by such a registered nurse.  2. The terms of the policy must not limit:  (a) Coverage for services provided by such a registered nurse to a number of occasions less than for services provided by another provider of health care.  (b) Reimbursement for services provided by such a registered nurse to an amount less than that reimbursed for similar services provided by another provider of health care.  3. An insurer is not required to pay for services provided by such a registered nurse which duplicate services provided by another provider of health care.  (Added to NRS by 1985, 1447)
NV Rev Stat § 689B.047 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.047 - Reimbursement to provider of medical transportation.

  1. Except as otherwise provided in subsection 3, every policy of group health insurance amended, delivered or issued for delivery in this State after October 1, 1989, that provides coverage for medical transportation, must contain a provision for the direct reimbursement of a provider of medical transportation for covered services if that provider does not receive reimbursement from any other source.  2. The insured or the provider may submit the claim for reimbursement. The provider shall not demand payment from the insured until after that reimbursement has been granted or denied.  3. Subsection 1 does not apply to any agreement between an insurer and a provider of medical transportation for the direct payment by the insurer for the provider’s services.  (Added to NRS by 1989, 1273)
NV Rev Stat § 689B.049 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.049 - Reimbursement for acupuncture.

If any policy of group health insurance provides coverage for acupuncture performed by a physician, the insured is entitled to reimbursement for acupuncture performed by a person who is licensed pursuant to chapter 634A of NRS.  (Added to NRS by 1991, 1134)
NV Rev Stat § 689B.050 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.050 - Extended disability benefit.

Any group health policy may provide for payment not exceeding three times the amount of the monthly benefit under the policy as an extended disability benefit upon the insured’s death from any cause. The extended disability benefit must not be construed as life insurance.  (Added to NRS by 1971, 1768; A 1993, 1982)
NV Rev Stat § 689B.060 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.060 - Readjustment of premiums; dividends.

  1. Any contract of group health insurance may provide for the readjustment of the rate of premium based upon the experience thereunder. If a policy dividend is declared after January 1, 1972, or a reduction in rate is made after January 1, 1972, or continued for the first or any subsequent year of insurance under any policy of group health insurance issued before, on or after January 1, 1972, to any policyholder, the excess, if any, of the aggregate dividends or rate reductions under such a policy and all other group insurance policies of the policyholder over the aggregate expenditure for insurance under such policies made from money contributed by the policyholder, or by an employer of insured persons, or by a union or association to which the insured persons belong, including expenditures made in connection with administration of such policies, must be applied by the policyholder for the sole benefit of insured employees or members.  2. This section does not apply as to debtor groups.  (Added to NRS by 1971, 1768; A 1997, 1627)
NV Rev Stat § 689B.061 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.061 - Limitations on deductibles and copayments charged under policy which offers difference of payment between preferred providers of health care and providers who are not preferred.

A policy of group health insurance which offers a difference of payment between preferred providers of health care and providers of health care who are not preferred:  1. May not require an insured, another insurer who issues policies of group health insurance, a nonprofit medical service corporation or a health maintenance organization to pay any amount in excess of the deductible or coinsurance due from the insured based on the rates agreed upon with a provider.  2. 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.  3. 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.  4. Must require the insurer to process a claim of a provider of health care who is not preferred not later than 30 working days after the date on which proof of the claim is received.  (Added to NRS by 1987, 1781; A 1991, 1329; 1995, 1629; 2013, 3619; 2017, 2370)