reglab/housing_qa huggingface dataset:
NV Rev Stat § 689A.0445 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.0445 - Coverage for prostate cancer screening.

  1. A policy of health insurance that provides coverage for the treatment of prostate cancer must provide coverage for prostate cancer screening in accordance with:  (a) The guidelines concerning prostate cancer screening which are published by the American Cancer Society; or  (b) Other guidelines or reports concerning prostate cancer screening which are published by nationally recognized professional organizations and which include current or prevailing supporting scientific data.  2. A policy of health insurance that provides coverage for the treatment of prostate cancer must not require an insured to obtain prior authorization for any service provided pursuant to subsection 1.  3. A policy of health insurance that provides coverage for the treatment of prostate cancer which is delivered, issued for delivery or renewed on or after July 1, 2007, 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 subsection 1 is void.  (Added to NRS by 2007, 3236)
NV Rev Stat § 689A.0447 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.0447 - Coverage for orally administered chemotherapy.

  1. An insurer that offers or issues a policy of health insurance 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 policy 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 policy 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.  (Added to NRS by 2013, 1997; A 2013, 3657)
NV Rev Stat § 689A.0455 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.0455 - Coverage for treatment of conditions relating to severe mental illness.

  1. A policy of health insurance delivered or issued for delivery in this state pursuant to this chapter must provide coverage for the treatment of conditions relating to severe mental illness.  2. As used in this section, "severe mental illness" means any of the following mental illnesses that are biologically based and for which diagnostic criteria are prescribed in the most recent edition of the Diagnostic and Statistical Manual of Mental Disorders, published by the American Psychiatric Association:  (a) Schizophrenia.  (b) Schizoaffective disorder.  (c) Bipolar disorder.  (d) Major depressive disorders.  (e) Panic disorder.  (f) Obsessive-compulsive disorder.  (Added to NRS by 1999, 3100; A 2013, 3610)
NV Rev Stat § 689A.046 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.046 - Benefits for treatment of alcohol or substance use disorder.

  1. The benefits provided by a policy for health insurance for treatment of alcohol or substance use disorder must consist of:  (a) Treatment for withdrawal from the physiological effect of alcohol or drugs, with a minimum benefit of $1,500 per calendar year.  (b) Treatment for a patient admitted to a facility, with a minimum benefit of $9,000 per calendar year.  (c) Counseling for a person, group or family who is not admitted to a facility, with a minimum benefit of $2,500 per calendar year.  2. Except as otherwise provided in NRS 687B.409, these benefits must be paid in the same manner as benefits for any other illness covered by a similar policy are paid.  3. The insured person is entitled to these benefits if treatment is received in any:  (a) Facility for the treatment of alcohol or substance use disorder which is certified by the Division of Public and Behavioral Health of the Department of Health and Human Services.  (b) Hospital or other medical facility or facility for the dependent which is licensed by the Division of Public and Behavioral Health of the Department of Health and Human Services, accredited by The Joint Commission or CARF International and provides a program for the treatment of alcohol or substance use disorder as part of its accredited activities.  (Added to NRS by 1979, 1176; A 1983, 2036; 1985, 1569, 1773; 1993, 1918; 1997, 1301; 1999, 1888; 2001, 438; 2017, 2209)
NV Rev Stat § 689A.0463 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.0463 - Coverage for services provided through telehealth; prohibited actions by insurer; exclusions.

  1. A policy of health insurance must include coverage for services provided to an insured through telehealth to the same extent as though provided in person or by other means.   2. An insurer shall not:  (a) Require an insured to establish a relationship in person with a provider of health care or provide any additional consent to or reason for obtaining services through telehealth as a condition to providing the coverage described in subsection 1;   (b) Require a provider of health care to demonstrate that it is necessary to provide services to an insured through telehealth or receive any additional type of certification or license to provide services through telehealth as a condition to providing the coverage described in subsection 1;  (c) Refuse to provide the coverage described in subsection 1 because of the distant site from which a provider of health care provides services through telehealth or the originating site at which an insured receives services through telehealth; or  (d) Require covered services to be provided through telehealth as a condition to providing coverage for such services.  3. A policy of health insurance must not require an insured to obtain prior authorization for any service provided through telehealth that is not required for the service when provided in person. A policy of health insurance may require prior authorization for a service provided through telehealth if such prior authorization would be required if the service were provided in person or by other means.  4. The provisions of this section do not require an insurer to:  (a) Ensure that covered services are available to an insured through telehealth at a particular originating site;  (b) Provide coverage for a service that is not a covered service or that is not provided by a covered provider of health care; or  (c) Enter into a contract with any provider of health care or cover any service if the insurer is not otherwise required by law to do so.  5. A policy of health insurance subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after July 1, 2015, 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.  6. As used in this section:  (a) "Distant site" has the meaning ascribed to it in NRS 629.515.  (b) "Originating site" has the meaning ascribed to it in NRS 629.515.  (c) "Provider of health care" has the meaning ascribed to it in NRS 439.820.  (d) "Telehealth" has the meaning ascribed to it in NRS 629.515.  (Added to NRS by 2015, 637)
NV Rev Stat § 689A.0465 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.0465 - Coverage of treatment of temporomandibular joint.

  1. Except as otherwise provided in this section, no policy of health insurance may be delivered or issued for delivery in this state if it contains an exclusion of coverage of 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, 2137)
NV Rev Stat § 689A.0475 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.0475 - Acupuncture.

If any policy of 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, 1133)
NV Rev Stat § 689A.048 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.048 - Treatment by licensed psychologist.

If any policy of 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 treatments by a licensed psychologist.  (Added to NRS by 1979, 367; A 1989, 1553; 2017, 935)
NV Rev Stat § 689A.0483 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.0483 - Treatment by licensed marriage and family therapist or licensed clinical professional counselor.

If any policy of 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 § 689A.0485 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.0485 - Treatment by licensed associate in social work, social worker, independent social worker or clinical social worker.

If any policy of 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 § 689A.0487 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.0487 - Treatment by licensed podiatrist.

  1. If any 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 § 689A.049 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.049 - Treatment by licensed chiropractor; restriction on policy limitations.

  1. If any 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 reimbursed for similar treatments by other physicians.  (Added to NRS by 1981, 930; A 1983, 327)
NV Rev Stat § 689A.0493 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.0493 - Treatment by licensed clinical alcohol and drug abuse counselor.

 If any policy of 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 § 689A.0495 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.0495 - Services provided by certain registered nurses; restriction on policy limitations; exception.

  1. If any 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, 1446)
NV Rev Stat § 689A.0497 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.0497 - Provider of medical transportation.

  1. Except as otherwise provided in subsection 3, every policy of 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 § 689A.050 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.050 - Entire contract; changes.

There shall be a provision as follows:  Entire Contract; Changes: This policy, including the endorsements and the attached papers, if any, constitutes the entire contract of insurance. No change in this policy shall be valid until approved by an executive officer of the insurer and unless such approval is endorsed hereon or attached hereto. No agent has authority to change this policy or to waive any of its provisions.  (Added to NRS by 1971, 1753)
NV Rev Stat § 689A.060 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.060 - Time limit on certain defenses.

There shall be a provision as follows:  Time Limit on Certain Defenses:  1. After 3 years from the date of issue of this policy no misstatements, except fraudulent misstatements, made by the applicant in the application for such policy shall be used to void the policy or to deny a claim for loss incurred or disability (as defined in the policy) commencing after the expiration of such 3-year period. The foregoing policy provision shall not be so construed as to affect any legal requirement for avoidance of a policy or denial of a claim during such initial 3-year period, nor to limit the application of NRS 689A.200 to 689A.230, inclusive, in the event of misstatement with respect to age or occupation or other insurance. A policy which the insured has the right to continue in force subject to its terms by the timely payment of the premium until at least age 50 or, in the case of a policy issued after age 44, for at least 5 years from its date of issue, may contain in lieu of the foregoing the following provision (from which the clause in parentheses may be omitted at the insurer’s option): "Incontestable: After this policy has been in force for a period of three years during the lifetime of the insured (excluding any period during which the insured is disabled), it shall become incontestable as to the statements contained in the application."  2. No claim for loss incurred or disability (as defined in the policy) commencing after 3 years from the date of issue of this policy shall be reduced or denied on the ground that a disease or physical condition not excluded from coverage by name or specific description effective on the date of loss had existed prior to the effective date of coverage of this policy.  (Added to NRS by 1971, 1753)
NV Rev Stat § 689A.070 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.070 - Grace period.

There shall be a provision as follows:  Grace Period: A grace period of ..... (insert a number not less than "7" for weekly premium policies, "10" for monthly premium policies and "31" for all other policies) days will be granted for the payment of each premium falling due after the first premium, during which grace period the policy shall continue in force. A policy in which the insurer reserves the right to refuse any renewal shall have, at the beginning of the above provision:  Unless not less than 30 days prior to the premium due date the company has delivered to the insured or has mailed to the last address of the insured as shown by the records of the insurer written notice of its intention not to renew this policy beyond the period for which the premium has been accepted.  (Added to NRS by 1971, 1754)
NV Rev Stat § 689A.075 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.075 - Cancellation and rescission of short-term limited duration medical plan. [Effective January 1, 2020.]

  1. A short-term limited duration medical plan shall not be cancelled by the carrier during the coverage period except for the following:  (a) Nonpayment of premium;  (b) Violation of published policies of the carrier approved by the Commissioner;  (c) Failure of a member to pay any deductible or copayment amount owed to the carrier and not the provider of health care services;  (d) Members committing fraudulent acts as to the carrier;  (e) A member’s material breach of the medical plan; or  (f) Change or implementation of federal or state laws that no longer permit the continued offering of such coverage.  2. Except as otherwise provided in subsections 3 and 4, a short-term limited duration medical plan must not be rescinded by the carrier during the coverage period except for nonpayment of premium.  3. Except as provided in subsection 4 of this section, no oral or written misrepresentation or warranty made by the person applying for coverage or on his or her behalf in the process of applying for a short-term limited duration medical plan shall be deemed material or allow the carrier to rescind the medical plan, unless the misrepresentation or warranty is made to deceive.  4. In any application for a short-term limited duration medical plan made in writing by a person, all statements in the application by the person shall, in the absence of fraud, be deemed representations and not warranties. The falsity of any such statement shall not bar the right to recovery under the contract unless such false statement was made with actual intent to deceive or unless it materially affected either the acceptance of the risk or the hazard assumed by the carrier.  5. When cancellation or rescission is for nonpayment of premium, the carrier must notify the member in writing 10 days prior to the cancellation or rescission that his or her short-term limited duration medical plan will be cancelled, unless payment is made prior to the cancellation date. When cancellation is for any other reason allowed under subsection 1, the carrier must notify the member in writing 20 days prior to the cancellation date. The notice must specifically state the reason or reasons for the cancellation. The written communications required by this subsection must be phrased in simple language that is readily understood.  (Added to NRS by 2019, 1429, effective January 1, 2020)