reglab/housing_qa huggingface dataset:
NV Rev Stat § 695B.180 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.180 - Required provisions.

A contract for hospital, medical or dental services must not be entered into between a corporation proposing to furnish or provide any one or more of the services authorized under this chapter and a subscriber:  1. Unless the entire consideration therefor is expressed in the contract.  2. Unless the times at which the benefits or services to the subscriber take effect and terminate are stated in a portion of the contract above the evidence of its execution.  3. If the contract purports to entitle more than one person to benefits or services, except for family contracts issued under NRS 695B.190, group contracts issued under NRS 695B.200, and blanket contracts issued under NRS 695B.220.  4. Unless every printed portion and any endorsement or attached papers are plainly printed in type of which the face is not smaller than 10 points.  5. Except for group contracts and blanket contracts issued under NRS 695B.220, unless the exceptions of the contract are printed with greater prominence than the benefits to which they apply.  6. Except for group contracts and blanket contracts issued under NRS 695B.230, unless, if any portion of the contract purports, by reason of the circumstances under which an illness, injury or disablement is incurred to reduce any service to less than that provided for the same illness, injury or disablement incurred under ordinary circumstances, that portion is printed in boldface type and with greater prominence than any other text of the contract.  7. If the contract contains any provisions purporting to make any portion of the charter, constitution or bylaws of a nonprofit corporation a part of the contract unless that portion is set forth in full in the contract.  8. Unless the contract provides benefits for expenses incurred for hospice care.  9. Unless the contract for service in a hospital contains in blackface type, not less than 10 points, the following provisions:  This contract does not restrict or interfere with the right of any person entitled to service and care in a hospital to select the contracting hospital or to make a free choice of an attending physician, who must be the holder of a valid and unrevoked physician’s license and a member of, or acceptable to, the attending staff and board of directors of the hospital in which the services are to be provided.  (Added to NRS by 1971, 1869; A 1975, 1851; 1979, 1180; 1983, 1935, 2039; 1985, 1777; 1989, 515, 1033; 2009, 1816)
NV Rev Stat § 695B.181 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.181 - Provision in contract requiring binding arbitration authorized; procedures for arbitration; declaratory relief.

  1. Except as otherwise provided in NRS 695B.182 and subject to the approval of the Commissioner, any contract which is authorized pursuant to this chapter may include a provision which requires the parties to the contract to submit for binding arbitration any dispute between the parties concerning any matter directly or indirectly related to, or associated with, the contract. If such a provision is included in the contract:  (a) A person who elects to be covered by the contract must be given the opportunity to decline to participate in binding arbitration at the time the person elects to be covered by the contract.  (b) It must clearly state that the parties to the contract who have not declined to participate in binding arbitration agree to forego their right to resolve any such dispute in a court of law or equity.  2. Except as otherwise provided in subsection 3, the arbitration must be conducted pursuant to the rules for commercial arbitration established by the American Arbitration Association. The insurer is responsible for any administrative fees and expenses relating to the arbitration, except that the insurer is not responsible for attorney’s fees and fees for expert witnesses unless those fees are awarded by the arbitrator.  3. If a dispute required to be submitted to binding arbitration requires an immediate resolution to protect the physical health of a person insured under the contract, any party to the dispute may waive arbitration and seek declaratory relief in a court of competent jurisdiction.  4. If a provision described in subsection 1 is included in a contract, the provision shall not be deemed unenforceable as an unreasonable contract of adhesion if the provision is included in compliance with the provisions of subsection 1.  (Added to NRS by 1995, 2558)
NV Rev Stat § 695B.182 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.182 - Required procedure for arbitration of disputes concerning independent medical, dental or chiropractic evaluations.

  1. Each contract for hospital or medical services must include a procedure for binding arbitration to resolve disputes concerning independent medical evaluations pursuant to the rules of the American Arbitration Association.  2. If a corporation subject to the provisions of this chapter, for any final determination of benefits or care, requires an independent evaluation of the medical, dental or chiropractic care of any person for whom such care is covered under a contract for hospital or medical services, only a physician, dentist or chiropractor who is certified to practice in the same field of practice as the primary treating physician, dentist or chiropractor or who is formally educated in that field may conduct the independent evaluation.  3. The independent evaluation must include a physical examination of the patient, unless the patient is deceased, and a personal review of all X-rays and reports prepared by the primary treating physician, dentist or chiropractor. A certified copy of all reports of findings must be sent to the primary treating physician, dentist or chiropractor and the insured person within 10 working days after the evaluation. If the insured person disagrees with the finding of the evaluation, the insured person must submit an appeal to the insurer pursuant to the procedure for binding arbitration set forth in the contract for services within 30 days after the insured person receives the finding of the evaluation. Upon its receipt of an appeal, the insurer shall so notify in writing the primary treating physician, dentist or chiropractor.  4. The insurer shall not limit or deny coverage for care related to a disputed claim while the dispute is in arbitration, except that, if the insurer prevails in the arbitration, the primary treating physician, dentist or chiropractor may not recover any payment from either the insurer, insured person or the patient for services that the primary treating physician, dentist or chiropractor provided to the patient after receiving written notice from the insurer pursuant to subsection 3 concerning the appeal of the insured person.  (Added to NRS by 1989, 2116; A 2015, 196)
NV Rev Stat § 695B.183 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.183 - Requirements regarding issuance of health benefit plans and adjustment of costs. [Effective January 1, 2020.]

  1. An insurer shall offer and issue a health benefit plan to any person regardless of the health status of the person or any dependent of the person. Such health status includes, without limitation:  (a) Any preexisting medical condition of the person, including, without limitation, any physical or mental illness;  (b) The claims history of the person, including, without limitation, any prior health care services received by the person;  (c) Genetic information relating to the person; and  (d) Any increased risk for illness, injury or any other medical condition of the person, including, without limitation, any medical condition caused by an act of domestic violence.   2. An insurer 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. An insurer 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. An insurer 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 insurer 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 2019, 305, effective January 1, 2020)
NV Rev Stat § 695B.185 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.185 - Limitations on deductibles and copayments charged under group contract which offers difference of payment between preferred providers of health care and providers who are not preferred.

A group contract for hospital, medical or dental services 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 a deductible of more than $600 difference per admission to a facility for inpatient treatment which is not a preferred provider of health care.  2. May not require a deductible of more than $500 difference per treatment, other than inpatient treatment at a hospital, by a provider which is not preferred.  3. 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.  4. May not provide for a difference in percentage rates of payment for coinsurance of more than 30 percentage points between the copayment required to be paid by the insured to a preferred provider of health care and the copayment required to be paid by the insured to a provider of health care who is not preferred.  5. 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.  6. 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 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.  7. Must require the corporation 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, 1782; A 1989, 515; 1991, 1331; 1995, 1631; 2017, 2385)
NV Rev Stat § 695B.187 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.187 - Group contract issued to replace discontinued policy or coverage: Requirements; notice of reduction of benefits; statement of benefits; applicability to self-insured employer.

Except as otherwise provided by the provisions of NRS 689B.340 to 689B.580, inclusive, and chapter 689C of NRS relating to the portability and availability of health insurance:  1. A group contract for hospital, medical or dental services issued by a nonprofit hospital, medical or dental service corporation to replace any discontinued policy or coverage for group health insurance must:  (a) Provide coverage for all persons who were covered under the previous policy or coverage on the date it was discontinued; and  (b) Except as otherwise provided in subsection 2, provide benefits which are at least as extensive as the benefits provided by the previous policy or coverage, except that the benefits may be reduced or excluded to the extent that such a reduction or exclusion was permissible under the terms of the previous policy or coverage,  if that contract is issued within 60 days after the date on which the previous policy or coverage was discontinued.  2. If an employer obtains a replacement contract pursuant to subsection 1 to cover the employees of the employer, any benefits provided by the previous policy or coverage may be reduced if notice of the reduction is given to the employees of the employer pursuant to NRS 608.1577.  3. Any corporation which issues a replacement contract pursuant to subsection 1 may submit a written request to the insurer which provided the previous policy or coverage for a statement of benefits which were provided under that policy or coverage. Upon receiving such a request, the insurer shall give a written statement to the corporation which indicates what benefits were provided and what exclusions or reductions were in effect under the previous policy or coverage.  4. The provisions of this section apply to a self-insured employer who provides health benefits to the employees of the self-insured employer and replaces those benefits with a group contract for hospital, medical or dental services issued by a nonprofit hospital, medical or dental service corporation.  (Added to NRS by 1987, 849; A 1997, 2954; 2013, 3636)
NV Rev Stat § 695B.189 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.189 - Continuation of coverage under group contract: Required provision.

A group contract issued by a corporation under the provisions of this chapter must contain a provision which permits the continuation of coverage pursuant to the provisions of NRS 689B.340 to 689B.580, inclusive, and chapter 689C of NRS relating to the portability and availability of health insurance.  (Added to NRS by 1987, 2235; A 1997, 2955; 2013, 3637)
NV Rev Stat § 695B.190 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.190 - Family contracts.

Family hospital or family medical or dental service contracts may be issued to a family consisting of an individual and one or more persons dependent upon the individual, or of one or more persons dependent upon an individual, and may include a spouse of the individual, whether or not dependent upon the individual. Such contracts shall contain a provision to the effect that to the family originally covered may be added from time to time all new members of the family group eligible for coverage and that the head of the family shall give the corporation notice of the addition to the family of any person eligible for coverage under the contracts.  (Added to NRS by 1971, 1870)
NV Rev Stat § 695B.1904 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.1904 - Required provision concerning coverage for services provided through telehealth.

  1. A contract for hospital, medical or dental services subject to the provisions of this chapter must include services provided to an insured through telehealth to the same extent as though provided in person or by other means.   2. A medical services corporation that issues contracts for hospital, medical or dental services 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 contract for hospital, medical or dental services 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 contract for hospital, medical or dental services 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 a medical services corporation that issues contracts for hospital, medical or dental services 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 medical services corporation is not otherwise required by law to do so.  5. A contract for hospital, medical or dental services 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 contract 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, 642)
NV Rev Stat § 695B.1905 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.1905 - Required provision concerning coverage for prescription drug previously approved for medical condition of insured.

  1. Except as otherwise provided in this section, a contract for hospital or medical services which provides coverage for prescription drugs must not limit or exclude coverage for a drug if the drug:  (a) Had previously been approved for coverage by the insurer for a medical condition of an insured and the insured’s provider of health care determines, after conducting a reasonable investigation, that none of the drugs which are otherwise currently approved for coverage are medically appropriate for the insured; and  (b) Is appropriately prescribed and considered safe and effective for treating the medical condition of the insured.  2. The provisions of subsection 1 do not:  (a) Apply to coverage for any drug that is prescribed for a use that is different from the use for which that drug has been approved for marketing by the Food and Drug Administration;  (b) Prohibit:  (1) The insurer from charging a deductible, copayment or coinsurance for the provision of benefits for prescription drugs to the insured or from establishing, by contract, limitations on the maximum coverage for prescription drugs;  (2) A provider of health care from prescribing another drug covered by the contract that is medically appropriate for the insured; or  (3) The substitution of another drug pursuant to NRS 639.23286 or 639.2583 to 639.2597, inclusive; or  (c) Require any coverage for a drug after the term of the contract.  3. Any provision of a contract for hospital or medical services subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after October 1, 2001, which is in conflict with this section is void.  (Added to NRS by 2001, 862; A 2003, 2300; 2017, 638)
NV Rev Stat § 695B.1906 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.1906 - Required provision concerning coverage for prescription drugs irregularly dispensed for purpose of synchronization of chronic medications.

  1. A hospital or medical services corporation who offers or issues a policy of 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 hospital or medical services corporation.  (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 of 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, 2017, has the legal effect of providing that coverage subject to the requirements of this section, and any provision of the policy of health insurance 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, 2126)