reglab/housing_qa huggingface dataset:
NV Rev Stat § 689B.500 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.500 - Requirements regarding issuance of health benefit plans and adjustment of costs. [Effective January 1, 2020.]

  1. A carrier shall offer and issue a health benefit plan to any group regardless of the health status of the group, any member of the group or any dependent of a member of the group. Such health status includes, without limitation:  (a) Any preexisting medical condition of a person, including, without limitation, any physical or mental illness;  (b) The claims history of an insured, including, without limitation, any prior health care services received by the insured;  (c) Genetic information relating to the insured; and  (d) Any increased risk for illness, injury or any other medical condition of the insured, including, without limitation, any medical condition caused by an act of domestic violence.   2. A carrier that offers or issues a health benefit plan shall not:  (a) Deny, limit or exclude a covered benefit based on the health status of an insured; or  (b) Require an insured, as a condition of enrollment or renewal, to pay a premium, deductible, copay or coinsurance based on his or her health status which is greater than the premium, deductible, copay or coinsurance charged to a similarly situated insured who does not have such a health status.  3. A carrier that offers or issues a health benefit plan shall not adjust a premium, deductible, copay or coinsurance for any insured on the basis of genetic information relating to the insured or the covered dependent of the insured.  4. A carrier that offers or issues a health benefit plan may include in the plan a wellness program that reduces a premium, deductible or copayment based on health status if:  (a) An insured who is eligible to participate in the wellness program is given the opportunity to qualify for the discount at least once each year;  (b) The amount of all discounts provided pursuant to such a wellness program does not exceed 30 percent, or if the program is designed to prevent or reduce tobacco use, 50 percent, of the cost of coverage for an insured or an insured and his or her dependents, as applicable, under the plan;  (c) The wellness program is reasonably designed to promote health or prevent disease;  (d) The carrier ensures that the full discount under the wellness program is available to all similarly situated insureds by providing a reasonable alternative standard by which an insured may qualify for the discount which, if based on health status, must accommodate the recommendations of the physician of the insured; and  (e) The plan discloses in all plan materials describing the terms of the wellness program, and in any disclosure that an insured did not satisfy the initial standard to be eligible for the discount, the availability of a reasonable alternative standard described in paragraph (d).   5. As used in this section, "health benefit plan" has the meaning ascribed to it in NRS 687B.470.  (Added to NRS by 1997, 2904; A 1999, 2808; 2001, 2225; 2013, 3621; 2019, 300, effective January 1, 2020)
NV Rev Stat § 689B.510 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.510 - Carrier authorized to modify coverage for insurance product under certain circumstances.

A carrier may modify the health insurance coverage for a product offered pursuant to a group health plan by the carrier at the time of renewal of such coverage if the modification is consistent with the provisions of this chapter.  (Added to NRS by 1997, 2906)
NV Rev Stat § 689B.530 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.530 - Carrier required to permit eligible employee or dependent of employee to enroll for coverage under certain circumstances.

A carrier offering group health insurance shall permit an employee or a dependent of an employee covered by the group health insurance who is eligible, but not enrolled, for coverage in connection with the group health insurance to enroll for coverage under the terms of the group health insurance if:  1. The employee or dependent was covered under a different group health insurance or had other health insurance coverage at the time coverage was previously offered to the employee or dependent;  2. The employee stated in writing at that time that the other coverage was the reason for declining enrollment, but only if the plan sponsor or carrier required such a written statement and informed the employee of that requirement and the consequences of the requirement; and  3. The employee or dependent:  (a) Was covered under any provision of the Consolidated Omnibus Budget Reconciliation Act of 1985 relating to the continuation of coverage and such continuation of coverage was exhausted; or  (b) Was not covered under such a provision and his or her insurance coverage was lost as a result of cessation of contributions by his or her employer, termination of employment or eligibility, reduction in the number of hours of employment, or the death of, or divorce or legal separation from, a covered spouse.  (Added to NRS by 1997, 2907)
NV Rev Stat § 689B.540 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.540 - Manner and period for enrollment of dependent of covered employee; period of special enrollment.

  1. A carrier that offers group health insurance which makes coverage available to the dependent of an employee covered by the group health plan shall permit the employee to enroll a dependent after the close of a period of open enrollment if:  (a) The employee is a participant in the group health plan, or has met any waiting period applicable to becoming a participant and is eligible to be enrolled under the plan, except for a failure to enroll during a previous period of open enrollment; and  (b) The person to be enrolled became a dependent of the employee through marriage, birth, adoption or placement for adoption.  2. The group health plan or carrier shall provide a period of special enrollment for the enrollment of a dependent of an employee pursuant to this section. Such a period must be not less than 30 days and must begin on:  (a) The date specified by the group health plan or carrier for the period of special enrollment; or  (b) The date of the marriage, birth, adoption or placement for adoption, as appropriate.  3. If an employee seeks to enroll a dependent during the first 30 days of the period for special enrollment provided pursuant to subsection 2, the coverage of the dependent becomes effective:  (a) In the case of a marriage, not later than the first day of the first month beginning after the date on which the completed request for enrollment is received;  (b) In the case of a birth, on the date of the birth; and  (c) In the case of an adoption or placement for adoption, on the date of the adoption or the placement for adoption.  4. In the case of a birth, an adoption or a placement for adoption of a child of an employee, the spouse of the employee may be enrolled as a dependent pursuant to this section if the spouse is otherwise eligible for coverage under the group health plan.  (Added to NRS by 1997, 2908)
NV Rev Stat § 689B.550 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.550 - Carrier prohibited from imposing restriction on participation inconsistent with chapter; restrictions on rules of eligibility that may be established; premiums to be equitable. [Effective through December 31, 2019.]

  1. A carrier shall not place any restriction on a person or a dependent of the person as a condition of being a participant in or a beneficiary of a policy of blanket accident and health insurance or group health insurance that is inconsistent with the provisions of this chapter.  2. A carrier that offers coverage under a policy of blanket accident and health insurance or group health insurance pursuant to this chapter shall not establish rules of eligibility, including rules which define applicable waiting periods, for the initial or continued enrollment under a group health plan offered by the carrier that are based on the following factors relating to the employee or a dependent of the employee:  (a) Health status.  (b) Medical condition, including physical and mental illnesses, or both.  (c) Claims experience.  (d) Receipt of health care.  (e) Medical history.  (f) Genetic information.  (g) Evidence of insurability, including conditions which arise out of acts of domestic violence.  (h) Disability.  3. Except as otherwise provided in NRS 689B.500, the provisions of subsection 1 do not:  (a) Require a carrier to provide particular benefits other than those that would otherwise be provided under the terms of the blanket health and accident insurance or group health insurance or coverage; or  (b) Prevent a carrier from establishing limitations or restrictions on the amount, level, extent or nature of the benefits or coverage for similarly situated persons.  4. As a condition of enrollment or continued enrollment under a policy of blanket accident and health insurance or group health insurance, a carrier shall not require an employee to pay a premium or contribution that is greater than the premium or contribution for a similarly situated person covered by similar coverage on the basis of any factor described in subsection 2 in relation to the employee or a dependent of the employee.  5. This section does not:  (a) Restrict the amount that an employer or employee may be charged for coverage by a carrier;  (b) Prevent a carrier from establishing premium discounts or rebates or from modifying otherwise applicable copayments or deductibles in return for adherence by the insured person to programs of health promotion and disease prevention; or  (c) Preclude a carrier from establishing rules relating to employer contribution or group participation when offering health insurance coverage to small employers in this state.  (Added to NRS by 1997, 2908; A 2001, 2227)
NV Rev Stat § 689B.550 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.550 - Carrier prohibited from imposing restriction on participation inconsistent with chapter; restrictions on rules of eligibility that may be established. [Effective January 1, 2020.]

  1. A carrier shall not place any restriction on a person or a dependent of the person as a condition of being a participant in or a beneficiary of a policy of blanket accident and health insurance or group health insurance that is inconsistent with the provisions of this chapter.  2. A carrier that offers coverage under a policy of blanket accident and health insurance or group health insurance pursuant to this chapter shall not establish rules of eligibility which conflict with the provisions of NRS 689B.500, including rules which define applicable waiting periods, for the initial or continued enrollment under a group health plan offered by the carrier that are based on the following factors relating to the employee or a dependent of the employee:  (a) Health status.  (b) Medical condition, including physical and mental illnesses, or both.  (c) Claims experience.  (d) Receipt of health care.  (e) Medical history.  (f) Genetic information.  (g) Evidence of insurability, including conditions which arise out of acts of domestic violence.  (h) Disability.  3. Except as otherwise provided in NRS 689B.500, the provisions of subsection 1 do not:  (a) Require a carrier to provide particular benefits other than those that would otherwise be provided under the terms of the blanket health and accident insurance or group health insurance or coverage; or  (b) Prevent a carrier from establishing limitations or restrictions on the amount, level, extent or nature of the benefits or coverage for similarly situated persons.  4. This section does not:  (a) Restrict the amount that an employer or employee may be charged for coverage by a carrier;  (b) Prevent a carrier from establishing premium discounts or rebates or from modifying otherwise applicable copayments or deductibles in return for adherence by the insured person to programs of health promotion and disease prevention; or  (c) Preclude a carrier from establishing rules relating to employer contribution or group participation when offering health insurance coverage to small employers in this state.  (Added to NRS by 1997, 2908; A 2001, 2227; 2019, 301, effective January 1, 2020)
NV Rev Stat § 689B.570 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.570 - Carrier that offers coverage through network plan not required to offer coverage to employer that does not employ enrollees who reside or work in geographic service area for which carrier is authorized to transact insurance.

  1. A carrier that offers coverage through a network plan is not required to offer coverage to or accept an application from an employer that does not employ or no longer employs any enrollees who reside or work in the geographic service area of the carrier, provided that such coverage is refused or terminated uniformly without regard to any health status-related factor for any employee of the employer.  2. As used in this section, "network plan" means a health benefit plan offered by a health carrier 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 carrier. The term does not include an arrangement for the financing of premiums.  (Added to NRS by 1997, 2911; A 2013, 3624)
NV Rev Stat § 689B.580 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.580 - Plan sponsor of governmental plan authorized to elect to exclude governmental plan from compliance with certain statutes; duties of plan sponsor.

  1. A plan sponsor of a governmental plan that is a group health plan to which the provisions of NRS 689B.340 to 689B.580, inclusive, otherwise apply may elect to exclude the governmental plan from compliance with those sections. Such an election:  (a) Must be made in such a form and in such a manner as the Commissioner prescribes by regulation.  (b) Is effective for a single specified year of the plan or, if the plan is provided pursuant to a collective bargaining agreement, for the term of that agreement.  (c) May be extended by subsequent elections.  (d) Excludes the governmental plan from those provisions in this chapter that apply only to group health plans.  2. If a plan sponsor of a governmental plan makes an election pursuant to this section, the plan sponsor shall:  (a) Annually and at the time of enrollment, notify the enrollees in the plan of the election and the consequences of the election; and  (b) Provide certification and disclosure of creditable coverage under the plan with respect to those enrollees pursuant to NRS 689B.490.  3. As used in this section, "governmental plan" has the meaning ascribed to in section 3(32) of the Employee Retirement Income Security Act of 1974, as that section existed on July 16, 1997.  (Added to NRS by 1997, 2911; A 2013, 3624)
NV Rev Stat § 689C.015 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.015 - Definitions.

Except as otherwise provided in this chapter, as used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 689C.017 to 689C.106, inclusive, have the meanings ascribed to them in those sections.  (Added to NRS by 1995, 978; A 1997, 1096, 2940; 2011, 3384)
NV Rev Stat § 689C.017 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.017 - "Affiliated" defined.

Affiliated means any entity or person who directly, or indirectly through one or more intermediaries, controls or is controlled by or is under common control with a specified entity or person.  (Added to NRS by 1997, 2916)
NV Rev Stat § 689C.019 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.019 - "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, a small employer or an eligible employee or a dependent of the eligible employee, if the affiliation period is applied uniformly and without regard to any health status-related factors.  (Added to NRS by 1997, 2916)
NV Rev Stat § 689C.023 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.023 - "Bona fide association" defined.

Bona fide association has the meaning ascribed to it in NRS 689A.485.  (Added to NRS by 1997, 2916)
NV Rev Stat § 689C.025 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.025 - "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 1995, 978)
NV Rev Stat § 689C.045 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.045 - "Class of business" defined.

Class of business means all or a distinct grouping of small employers as shown in the records of a carrier serving small employers.  (Added to NRS by 1995, 978)
NV Rev Stat § 689C.047 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.047 - "Control" defined.

Control has the meaning ascribed to it in NRS 692C.050.  (Added to NRS by 1997, 2916)
NV Rev Stat § 689C.053 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.053 - "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 federal regulations 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 student accident and health insurance policy.  (Added to NRS by 1997, 2916; A 1999, 2240, 2811)
NV Rev Stat § 689C.055 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.055 - "Dependent" defined.

Dependent means a spouse, a domestic partner as defined in NRS 122A.030, or a child on or before the last day of the month in which the child attains 26 years of age.  (Added to NRS by 1995, 978; A 2013, 3625)
NV Rev Stat § 689C.065 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.065 - "Eligible employee" defined.

  1. "Eligible employee" means a permanent employee who has a regular working week of 30 or more hours.  2. The term includes a sole proprietor, a partner of a partnership or an employee of an employee leasing company, if the sole proprietor, partner or employee of the employee leasing company is included as an employee under a health benefit plan of a small employer.  (Added to NRS by 1995, 978; A 2011, 3384)
NV Rev Stat § 689C.066 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.066 - "Employee leasing company" defined.

Employee leasing company has the meaning ascribed to it in NRS 616B.670.  (Added to NRS by 2011, 3384)
NV Rev Stat § 689C.071 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.071 - "Geographic rating area" defined.

Geographic rating area means an area established by the Commissioner for use in adjusting the rates for a health benefit plan.  (Added to NRS by 1997, 2917; A 2013, 3625)
NV Rev Stat § 689C.072 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.072 - "Geographic service area" defined.

Geographic service area means a geographic area, as approved by the Commissioner, within which the carrier is authorized to provide coverage.  (Added to NRS by 1997, 2917; A 2013, 3625)
NV Rev Stat § 689C.073 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.073 - "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 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, 2917)