reglab/housing_qa huggingface dataset:
NV Rev Stat § 689B.275 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.275 - Contents, approval and provision of summary of coverage; provision of information about guaranteed availability of certain plans for benefits. [Effective January 1, 2020.]

  1. An insurer shall provide to each policyholder, or producer of insurance acting on behalf of a policyholder, on a form approved by the Commissioner, a summary of the coverage provided by each policy of group or blanket health insurance offered by the insurer. The summary must disclose any:  (a) Significant exception, reduction or limitation that applies to the policy;  (b) Restriction on payment for care in an emergency, including related definitions of emergency and medical necessity;  (c) Right of the insurer to change the rate of premium and the factors, other than claims experienced, which affect changes in rate;  (d) Provisions relating to renewability; and  (e) Other information that the Commissioner finds necessary for full and fair disclosure of the provisions of the policy.  2. The language of the disclosure must be easily understood. The disclosure must state that it is only a summary of the policy and that the policy should be read to ascertain the governing contractual provisions.  3. The Commissioner shall not approve a proposed disclosure that does not satisfy the requirements of this section and of applicable regulations.  4. In addition to the disclosure, the insurer shall provide information about guaranteed availability of basic and standard plans for benefits to an eligible person.  5. The insurer shall provide the summary before the policy is issued.  (Added to NRS by 2001, 2219; A 2019, 300, effective January 1, 2020)
NV Rev Stat § 689B.280 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.280 - Disclosure of information concerning medication of insured prohibited.

  1. Except as otherwise provided in subsection 2, an insurer or any agent or employee of an insurer who delivers or issues for delivery a policy of group health or blanket health insurance in this State shall not disclose to the policyholder or any agent or employee of the policyholder:  (a) The fact that an insured is taking a prescribed drug or medicine; or  (b) The identity of that drug or medicine.  2. The provisions of subsection 1 do not prohibit disclosure to an administrator who acts as an intermediary for claims for insurance coverage.  (Added to NRS by 1989, 1978)
NV Rev Stat § 689B.285 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.285 - Offering policy of health insurance for purposes of establishing health savings account.

An insurer may, subject to regulation by the Commissioner, offer a policy of health insurance that has a high deductible and is in compliance with 26 U.S.C. § 223 for the purposes of establishing a health savings account.  (Added to NRS by 2005, 2137)
NV Rev Stat § 689B.287 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.287 - Insurer prohibited from denying coverage solely because insured was intoxicated or under influence of controlled substance; exceptions.

  1. Except as otherwise provided in subsection 2, an insurer shall not:  (a) Deny a claim under a policy of group 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 group 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 group 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 group health insurance 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 group health insurance solely because of such a claim; or  (c) Refuse to issue a policy of group 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 group health insurance that provides coverage for long-term care or disability income.  (Added to NRS by 2005, 2344; A 2007, 84)
NV Rev Stat § 689B.290 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.290 - Definitions.

As used in NRS 689B.290 to 689B.330, 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 group health policy to a child pursuant to the provisions of 42 U.S.C. § 1396g-1.  (Added to NRS by 1995, 2428)
NV Rev Stat § 689B.310 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.310 - Insurer prohibited from asserting certain grounds to deny enrollment of child of insured pursuant to order.

An insurer shall not deny the enrollment of a child pursuant to an order for medical coverage under a group health policy pursuant to which a parent of the child is insured, on the ground that the child:  1. Was born out of wedlock;  2. Has not been claimed as a dependent on the parent’s federal income tax return; or  3. Does not reside with the parent or within the insurer’s geographic area of service.  (Added to NRS by 1995, 2429)
NV Rev Stat § 689B.320 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.320 - Certain accommodations to be made when child is covered under policy of noncustodial parent.

If a child has coverage under a group health policy pursuant to which a noncustodial parent of the child is insured, the health insurer issuing that policy shall:  1. Provide to the custodial parent such information as necessary for the child to obtain any benefits under that coverage.  2. Allow the custodial parent or, with the approval of the custodial parent, a provider of health care to submit claims for covered services without the approval of the noncustodial parent.  3. Make payments on claims submitted pursuant to subsection 2 directly to the custodial parent, the provider of health care or an agency of this or another state responsible for the administration of Medicaid.  (Added to NRS by 1995, 2429)
NV Rev Stat § 689B.330 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.330 - Insurer to authorize enrollment of child of parent who is required by order to provide medical coverage for child.

If a parent is required by an order for medical coverage to provide coverage under a group health policy for a child and the parent is eligible for coverage of members of his or her family under a group health policy, the insurer that issued the policy:  1. Shall, if the child is otherwise eligible for that coverage, allow the parent to enroll the child in that coverage without regard to any restrictions upon periods for enrollment.  2. Shall, if:  (a) The child is otherwise eligible for that coverage; and  (b) The parent is enrolled in that coverage but fails to apply for enrollment of the child,  enroll the child in that coverage upon application by the other parent of the child, or by an agency of this or another state responsible for the administration of Medicaid or a state program for the enforcement of child support established pursuant to 42 U.S.C. §§ 651 et seq., without regard to any restrictions upon periods for enrollment.  3. Shall not terminate the enrollment of the child in that coverage or otherwise eliminate that coverage of the child unless the insurer has written proof that:  (a) The order for medical coverage is no longer in effect; or  (b) The child is or will be enrolled in comparable coverage through another insurer on or before the effective date of the termination of enrollment or elimination of coverage.  (Added to NRS by 1995, 2429)
NV Rev Stat § 689B.340 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.340 - Definitions.

As used in NRS 689B.340 to 689B.580, inclusive, unless the context otherwise requires, the words and terms defined in NRS 689B.350 to 689B.460, inclusive, have the meanings ascribed to them in those sections.  (Added to NRS by 1997, 2900; A 2001, 1923, 2224; 2013, 3620)
NV Rev Stat § 689B.350 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.350 - "Affiliation period" defined.

Affiliation period means a period not to exceed 60 days for new enrollees and 90 days for late enrollees during which no premiums may be collected from, and coverage issued would not become effective for, an employee or a dependent of the employee, if the affiliation period is applied uniformly and without regard to any health status-related factors.  (Added to NRS by 1997, 2900)
NV Rev Stat § 689B.355 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.355 - "Blanket accident and health insurance" defined.

Blanket accident and health insurance has the meaning ascribed to it in NRS 689B.070.  (Added to NRS by 2001, 2219)
NV Rev Stat § 689B.360 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.360 - "Carrier" defined.

Carrier means any person who provides health insurance in this state, including a fraternal benefit society, a health maintenance organization, a nonprofit hospital and health service corporation, a health insurance company and any other person providing a plan of health insurance or health benefits subject to this Title.  (Added to NRS by 1997, 2900)
NV Rev Stat § 689B.370 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.370 - "Contribution" defined.

Contribution means the minimum employer contribution toward the premium for enrollment of participants and beneficiaries in a health benefit plan.  (Added to NRS by 1997, 2900)
NV Rev Stat § 689B.380 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.380 - "Creditable coverage" defined.

Creditable coverage means health benefits or coverage provided to a person pursuant to:  1. A group health plan;  2. A health benefit plan;  3. Part A or Part B of Title XVIII of the Social Security Act, 42 U.S.C. §§ 1395c et seq., also known as Medicare;  4. Title XIX of the Social Security Act, 42 U.S.C. §§ 1396 et seq., also known as Medicaid, other than coverage consisting solely of benefits under section 1928 of that Title, 42 U.S.C. § 1396s;  5. The Civilian Health and Medical Program of Uniformed Services, CHAMPUS, 10 U.S.C. §§ 1071 et seq.;  6. A medical care program of the Indian Health Service or of a tribal organization;  7. A state health benefit risk pool;  8. A health plan offered pursuant to the Federal Employees Health Benefits Program, FEHBP, 5 U.S.C. §§ 8901 et seq.;  9. A public health plan as defined in 45 C.F.R. § 146.113, authorized by the Public Health Service Act, 42 U.S.C. § 300gg(c)(1)(I);  10. A health benefit plan under section 5(e) of the Peace Corps Act, 22 U.S.C. § 2504(e);  11. The Children’s Health Insurance Program established pursuant to 42 U.S.C. §§ 1397aa to 1397jj, inclusive;  12. A short-term health insurance policy; or  13. A blanket accident and health insurance policy.  (Added to NRS by 1997, 2900; A 1999, 2240, 2806; 2001, 2224)
NV Rev Stat § 689B.390 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.390 - "Group health plan" defined.

  1. "Group health plan" means an employee welfare benefit plan, as defined in section 3(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 any 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) 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.  (Added to NRS by 1997, 2900)
NV Rev Stat § 689B.400 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.400 - "Group participation" defined.

Group participation means the minimum number of participants or beneficiaries that must be enrolled in a health benefit plan in relation to a specified percentage or number of eligible persons or employees of the employer.  (Added to NRS by 1997, 2901)
NV Rev Stat § 689B.430 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.430 - "Open enrollment" defined.

Open enrollment means the period designated for enrollment in a health benefit plan.  (Added to NRS by 1997, 2903)
NV Rev Stat § 689B.440 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.440 - "Plan sponsor" defined.

Plan sponsor has the meaning ascribed to it in section 3(16)(B) of the Employee Retirement Income Security Act of 1974, as that section existed on July 16, 1997.  (Added to NRS by 1997, 2903)
NV Rev Stat § 689B.450 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.450 - "Preexisting condition" defined. [Effective through December 31, 2019.]

Preexisting condition means a condition, regardless of the cause of the condition, for which medical advice, diagnosis, care or treatment was recommended or received during the 6 months immediately preceding the effective date of the new coverage. The term does not include genetic information in the absence of a diagnosis of the condition related to such information.  (Added to NRS by 1997, 2903; R 2019, 318, effective January 1, 2020)
NV Rev Stat § 689B.460 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.460 - "Waiting period" defined.

Waiting period means the period established by a plan of health insurance that must pass before a person who is an eligible participant or beneficiary in a plan is covered for benefits under the terms of the plan. The term includes the period from the date a person submits an application to an individual carrier for coverage under a health benefit plan until the first day of coverage under that health benefit plan.  (Added to NRS by 1997, 2903; A 1999, 2808)
NV Rev Stat § 689B.480 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.480 - Determination of applicable creditable coverage of person; determination of period of creditable coverage of person; required statement.

  1. In determining the applicable creditable coverage of a person for the purposes of NRS 689B.340 to 689B.580, inclusive, a period of creditable coverage must not be included if, after the expiration of that period but before the enrollment date, there was a 63-day period during all of which the person was not covered under any creditable coverage. To establish a period of creditable coverage, a person must present any certificates of coverage provided to the person in accordance with NRS 689B.490 and such other evidence of coverage as required by regulations adopted by the Commissioner. For the purposes of this subsection, any waiting period for coverage or an affiliation period must not be considered in determining the applicable period of creditable coverage.  2. In determining the period of creditable coverage of a person, a carrier shall include each applicable period of creditable coverage without regard to the specific benefits covered during that period, except that the carrier may elect to include applicable periods of creditable coverage based on coverage of specific benefits as specified in the regulations of the United States Department of Health and Human Services, if such an election is made on a uniform basis for all participants and beneficiaries of the health benefit plan or coverage. Pursuant to such an election, the carrier shall include each applicable period of creditable coverage with respect to any class or category of benefits if any level of benefits is covered within that class or category, as specified by those regulations.  3. Regardless of whether coverage is actually provided, if a carrier elects in accordance with subsection 2 to determine creditable coverage based on specified benefits, a statement that such an election has been made and a description of the effect of the election must be:  (a) Included prominently in any disclosure statement concerning the health benefit plan; and  (b) Provided to each person at the time of enrollment in the health benefit plan.  4. The provisions of this section apply only to grandfathered plans.  (Added to NRS by 1997, 2903; A 2013, 3620)
NV Rev Stat § 689B.490 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.490 - Written certification of coverage required for purpose of determining period of creditable coverage accumulated by person.

  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).  (Added to NRS by 1997, 2904; A 2001, 2225)
NV Rev Stat § 689B.500 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.500 - Coverage of preexisting conditions. [Effective through December 31, 2019.]

A carrier that issues a group health plan or coverage under blanket accident and health insurance or group health insurance shall not deny, exclude or limit a benefit for a preexisting condition.  (Added to NRS by 1997, 2904; A 1999, 2808; 2001, 2225; 2013, 3621)