reglab/housing_qa huggingface dataset:
NV Rev Stat § 689B.063 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.063 - Primary and secondary policies: Determination of benefits.

  1. When a policy of group insurance is primary, its benefits are determined before those of another policy and the benefits of another policy are not considered. When a policy of group insurance is secondary, its benefits are determined after those of another policy. Secondary benefits may not be reduced because of benefits under the primary policy. When there are more than two policies, a policy may be primary as to one and may be secondary as to another.  2. The benefits payable under a policy of group health insurance may not be reduced because of any benefits payable under health insurance on a franchise plan or first-party coverage under an automobile insurance policy.  3. As used in this section, "a policy of group insurance" includes Medicare.  (Added to NRS by 1987, 848; A 1989, 1250; 1995, 1629; 2013, 3620)
NV Rev Stat § 689B.064 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.064 - Primary and secondary policies: Order of benefits.

A policy of group insurance determines its order of benefits using the first of the following which applies:  1. A policy that does not coordinate with other policies is always the primary policy.  2. The benefits of the policy which covers a person as an employee, member or subscriber, other than a dependent, is the primary policy. The policy which covers the person as a dependent is the secondary policy.  3. When more than one policy covers the same child as a dependent of different parents who are not divorced or separated, the primary policy is the policy of the parent whose birthday falls earlier in the year. The secondary policy is the policy of the parent whose birthday falls later in the year. If both parents have the same birthday, the benefits of the policy which covered the parent the longer is the primary policy. The policy which covered the parent the shorter time is the secondary policy.  4. If more than one policy covers a person as a dependent child of divorced or separated parents, benefits for the child are determined in the following order:  (a) First, the policy of the parent with custody of the child;  (b) Second, the policy of the spouse of the parent with custody; and  (c) Third, the policy of the parent without custody of the child,  unless the specific terms of a court decree state that one parent is responsible for the health care expenses of the child, in which case, the policy of that parent is the primary policy. A parent responsible for the health care pursuant to a court decree must notify the insurer of the terms of the decree.  5. The primary policy is the policy which covers a person as an employee who is neither laid off or retired, or that employee’s dependent. The secondary policy is the policy which covers that person as a laid off or retired employee, or that employee’s dependent.  6. If none of the rules in subsections 1 to 5, inclusive, determines the order of benefits, the primary policy is the policy which covered an employee, member or subscriber longer. The secondary policy is the policy which covered that person the shorter time.  When a policy is determined to be a secondary policy it acts to provide benefits in excess of those provided by the primary policy. The secondary policy may not reduce benefits based upon payments by the primary policy, except that this provision does not require duplication of benefits.  (Added to NRS by 1987, 848)
NV Rev Stat § 689B.065 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.065 - Policy issued to replace discontinued policy or coverage: Requirements; notice of reduction of benefits; statement of benefits; applicability of section.

  1. A policy of group health insurance issued 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 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 replacement policy is issued within 60 days after the date on which the previous policy or coverage was discontinued.  2. If an employer obtains a replacement policy 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 insurer which issues a replacement policy pursuant to subsection 1 may submit a written request to the insurer who 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 who provided the previous policy or coverage shall give a written statement to the insurer providing the replacement policy 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:  (a) Apply to a self-insured employer who provides health benefits to the employees of the employer and replaces those benefits with a policy of group health insurance.  (b) Do not apply to the Public Employees’ Benefits Program established pursuant to NRS 287.0402 to 287.049, inclusive.  (Added to NRS by 1987, 849; A 1991, 251; 1999, 3042)
NV Rev Stat § 689B.067 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.067 - Provision in policy requiring binding arbitration for disputes with insurer authorized; procedure for arbitration; declaratory relief.

  1. Except as otherwise provided in NRS 689B.270 and subject to the approval of the Commissioner, a policy of group health insurance may include a provision which requires a member or a dependent of a member of the insured group and the insurer to submit for binding arbitration any dispute between the member or dependent and the insurer concerning any matter directly or indirectly related to, or associated with, the policy. If such a provision is included in the policy:  (a) A member and any dependent of the member must be given the opportunity to decline to participate in binding arbitration at the time they elect to be covered by the policy.  (b) It must clearly state that the insurer and a member or dependent of a member of the insured group who has 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 member or a dependent of a member, 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 policy of group health insurance, 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, 2557)
NV Rev Stat § 689B.068 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.068 - Insurer prohibited from denying coverage solely because person was victim of domestic violence.

An insurer shall not deny a claim, refuse to issue a policy of group health insurance or cancel a policy of group health insurance solely because the claim involves an act that constitutes domestic violence pursuant to NRS 33.018, or because the person applying for or covered by the policy of group health insurance was the victim of such an act of domestic violence, regardless of whether the insured or applicant contributed to any loss or injury.  (Added to NRS by 1997, 1096)
NV Rev Stat § 689B.069 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.069 - Insurer prohibited from requiring or using information concerning genetic testing; exceptions. [Effective through December 31, 2019.]

  1. Except as otherwise provided in subsection 2, an insurer who provides group health insurance shall not:  (a) Require an insured person or any member of the family of the insured person to take a genetic test;  (b) Require an insured person to disclose whether the insured person or any member of the family of the insured person has taken a genetic test or any genetic information of the insured person or a member of the family of the insured person; or  (c) Determine the rates or any other aspect of the coverage or benefits for health care provided to an insured person based on:  (1) Whether the insured person or any member of the family of the insured person has taken a genetic test; or  (2) Any genetic information of the insured person or any member of the family of the insured person.  2. The provisions of this section do not apply to an insurer who issues a policy of group health insurance that provides coverage for long-term care or disability income.  3. As used in this section:  (a) "Genetic information" means any information that is obtained from a genetic test.  (b) "Genetic test" means a test, including a laboratory test that uses deoxyribonucleic acid extracted from the cells of a person or a diagnostic test, to determine the presence of abnormalities or deficiencies, including carrier status, that:  (1) Are linked to physical or mental disorders or impairments; or  (2) Indicate a susceptibility to illness, disease, impairment or any other disorder, whether physical or mental.  (Added to NRS by 1997, 1460)
NV Rev Stat § 689B.069 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.069 - Insurer prohibited from requiring or using information concerning genetic testing; exceptions. [Effective January 1, 2020.]

  1. Except as otherwise provided in subsection 2, an insurer who provides group health insurance shall not:  (a) Require an insured person or any member of the family of the insured person to take a genetic test;  (b) Require an insured person to disclose whether the insured person or any member of the family of the insured person has taken a genetic test or any genetic information of the insured person or a member of the family of the insured person; or  (c) Determine the rates or any other aspect of the coverage or benefits for health care provided to an insured person based on whether the insured person or any member of the family of the insured person has taken a genetic test.  2. The provisions of this section do not apply to an insurer who issues a policy of group health insurance that provides coverage for long-term care or disability income.  3. As used in this section:  (a) "Genetic information" means any information that is obtained from a genetic test.  (b) "Genetic test" means a test, including a laboratory test that uses deoxyribonucleic acid extracted from the cells of a person or a diagnostic test, to determine the presence of abnormalities or deficiencies, including carrier status, that:  (1) Are linked to physical or mental disorders or impairments; or  (2) Indicate a susceptibility to illness, disease, impairment or any other disorder, whether physical or mental.  (Added to NRS by 1997, 1460; A 2019, 299, effective January 1, 2020)
NV Rev Stat § 689B.070 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.070 - "Blanket accident and health insurance" defined.

Blanket accident and health insurance is that form of accident insurance, health insurance, or both, covering groups of persons as enumerated in one of the following subsections under a policy or contract issued to:  1. Any common carrier or to any operator, owner or lessee of a means of transportation, who or which shall be deemed the policyholder, covering a group of persons who may become passengers defined by reference to their travel status on the common carrier or means of transportation.  2. An employer, who shall be deemed the policyholder, covering any group of employees, dependents or guests, defined by reference to specified hazards incident to an activity or activities or operations of the policyholder.  3. A college, school or other institution of learning, a school district or districts, or school jurisdictional unit, or to the head, principal or governing board of any such educational unit, who or which shall be deemed the policyholder, covering students, teachers or employees.  4. A religious, charitable, recreational, educational or civic organization, or branch thereof, which shall be deemed the policyholder, covering any group of members or participants defined by reference to specified hazards incident to an activity or activities or operations sponsored or supervised by the policyholder.  5. A sports team, camp or sponsor thereof, which shall be deemed the policyholder, covering members, campers, employees, officials or supervisors.  6. A volunteer fire department, organization providing first aid, organization for emergency management or other such volunteer organization, which shall be deemed the policyholder, covering any group of members or participants defined by reference to specified hazards incident to an activity or activities or operations sponsored or supervised by the policyholder.  7. A newspaper or other publisher, which shall be deemed the policyholder, covering its carriers.  8. An association, including a labor union, which has a constitution and bylaws and which has been organized and is maintained in good faith for purposes other than that of obtaining insurance, which shall be deemed the policyholder, covering any group of members or participants defined by reference to specified hazards incident to an activity or activities or operations sponsored or supervised by the policyholder.  9. Cover any other risk or class of risks which, in the discretion of the Commissioner, may be properly eligible for blanket accident and health insurance. The discretion of the Commissioner may be exercised on the basis of an individual risk or class of risks, or both.  (Added to NRS by 1971, 1768; A 1983, 177; 2001, 2221)
NV Rev Stat § 689B.090 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.090 - Application and certificates.

  1. An individual application need not be required from a person covered under a blanket health policy or contract, nor shall it be necessary for the insurer to furnish each person a certificate, if such person does not pay all or part of the premium for such insurance.  2. The Commissioner may, by rule or regulation, require the delivery of an individual certificate or a statement of the coverage to individuals insured under such a blanket policy or contract who are either required to make an individual written application or pay part or all of the premium therefor, and applying to such classes of cases and circumstances, specified in such rule or regulation, as the Commissioner may find such delivery to be reasonably necessary and practicable.  (Added to NRS by 1971, 1770)
NV Rev Stat § 689B.100 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.100 - Payment of benefits.

  1. Except as provided in subsection 2, all benefits under any blanket health policy or contract must be payable to the person insured, or to the designated beneficiary or beneficiaries of the person insured, or to the estate of the person insured, except that if the person insured is a minor or otherwise not competent to give a valid release, these benefits may be made payable to the parent or guardian of the person insured or to another person actually supporting the person insured.  2. The policy may provide that all or a portion of any indemnities provided by any such policy on account of hospital, nursing, medical or surgical services, home health care or supportive services:  (a) May, at the option of the insurer and unless the insured requests otherwise in writing not later than the time of filing proofs of such loss; or  (b) Must, upon the written request of the insured,  be paid directly to the hospital or person rendering those services. The policy may not require that the service be rendered by a particular hospital or person. Payment so made discharges the obligation of the insurer with respect to the amount of insurance so paid.  3. If the insured assigns his or her benefits pursuant to this section but the insurer after receiving a copy of the assignment pays the benefits to the insured, the insurer shall also pay the benefits to the assignee as soon as the insurer receives the notice of the incorrect payment.  (Added to NRS by 1971, 1771; A 1975, 450; 1983, 880)
NV Rev Stat § 689B.110 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.110 - Legal liability of policyholders for death of or injury to insured member unaffected.

Nothing contained in NRS 689B.070 to 689B.100, inclusive, shall be deemed to affect the legal liability of policyholders for death of or injury to any member insured under a blanket insurance policy.  (Added to NRS by 1971, 1771)
NV Rev Stat § 689B.250 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.250 - Acceptance of uniform forms for billing and claims.

Every insurer under a group health insurance contract or a blanket accident and health insurance contract and every state agency, for its records shall accept from:  1. A hospital the Uniform Billing and Claims Forms established by the American Hospital Association in lieu of its individual billing and claims forms.  2. An individual who is licensed to practice one of the health professions regulated by title 54 of NRS such uniform health insurance claims forms as the Commissioner shall prescribe, except in those cases where the Commissioner has excused uniform reporting.  (Added to NRS by 1975, 897; A 2001, 2224)
NV Rev Stat § 689B.260 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.260 - Required provision concerning coverage relating to complications of pregnancy.

  1. No group health or blanket health policy may be delivered or issued for delivery in this state if it contains any exclusion, reduction or other limitation of coverage relating to complications of pregnancy, unless the provision applies generally to all benefits payable under the policy.  2. As used in this section, the term "complications of pregnancy" includes any condition which requires hospital confinement for medical treatment and:  (a) If the pregnancy is not terminated, is caused by an injury or sickness not directly related to the pregnancy or by acute nephritis, nephrosis, cardiac decompensation, missed abortion or similar medically diagnosed conditions; or  (b) If the pregnancy is terminated, results in nonelective cesarean section, ectopic pregnancy or spontaneous termination.  3. A policy subject to the provisions of this chapter which is delivered or issued for delivery on or after July 1, 1977, has the legal effect of including the coverage required by this section, and any provision of the policy which is in conflict with this section is void.  (Added to NRS by 1977, 415)
NV Rev Stat § 689B.270 (2021)
2021 Nevada Revised Statutes|Chapter 689B - Group and Blanket Health Insurance|NRS 689B.270 - Required procedure for arbitration of disputes concerning independent medical, dental or chiropractic evaluations.

  1. Each policy of group or blanket health insurance 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 an insurer, 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 the terms of a policy of group or blanket health insurance, 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 policy of insurance within 30 days after receiving 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, 2114; A 2015, 196)
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 through December 31, 2019.]

  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;  (e) Provisions relating to preexisting conditions; and  (f) 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)