reglab/housing_qa huggingface dataset:
NV Rev Stat § 695B.227 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.227 - Required contract with insurance company for provision of insurance, indemnity or reimbursement against cost of hospital, medical and dental services; required provisions. [Effective through December 31, 2019.]

  1. A corporation organized under this chapter shall contract with an insurance company licensed in this State or authorized to do business in this State for the provision of insurance, indemnity or reimbursement against the cost of hospital services, medical services and dental services which are provided by the corporation.  2. The contract of insurance required by subsection 1 must include a provision that, in the case of the insolvency or impairment of the corporation, the insurance company will pay all claims made by an insured for the period for which a premium has been or will be paid to the corporation for the insured. The contract of insurance required by subsection 1 must specifically provide for the:  (a) Continuation of benefits to each insured for the period for which a premium has been or will be paid to the corporation for the insured until the expiration or termination of the insured’s contract with the corporation;  (b) Continuation of benefits for each insured who is receiving inpatient services in a medical facility or facility for the dependent at the time of the insolvency or impairment of the corporation until the inpatient services are no longer medically necessary and the insured is discharged from the medical facility or facility for the dependent; and  (c) Payment of a provider of health care not affiliated with the corporation who provided medically necessary services to an insured, as described in the insured’s contract with the corporation, the insured’s policy or the insured’s evidence of coverage.  3. As used in this section:  (a) "Facility for the dependent" has the meaning ascribed to it in NRS 449.0045.  (b) "Impairment" means that a corporation organized under this chapter is not insolvent and has been:  (1) Deemed to be impaired pursuant to NRS 695B.150; or  (2) Placed under an order of rehabilitation or conservation by a court of competent jurisdiction.  (c) "Insolvency" or "insolvent" means that a corporation organized under this chapter has been:  (1) Deemed to be insolvent pursuant to NRS 695B.150;  (2) Declared insolvent by a court of competent jurisdiction; or  (3) Placed under an order of liquidation by a court of competent jurisdiction.  (d) "Medical facility" has the meaning ascribed to it in NRS 449.0151.  (e) "Medically necessary" has the meaning ascribed to it in NRS 695G.055.  (f) "Provider of health care" has the meaning ascribed to it in NRS 629.031.  (Added to NRS by 2017, 2383; R 2019, 1110, effective January 1, 2020)
NV Rev Stat § 695B.230 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.230 - Filing and approval of forms and schedules of premium rates.

If more than one class of risk is included:  1. A hospital or medical or dental service contract or evidence of coverage under a group or nongroup contract must not be issued or delivered in this state until a copy of the form of the contract is filed with the Commissioner and either:  (a) Thirty days expires without notice from the Commissioner after the copy is filed; or  (b) The Commissioner gives written approval before that time.  2. A schedule of premium rates to be paid by subscribers under either a group or nongroup contract must not be issued, delivered or used by any nonprofit hospital, medical or dental service corporation until that corporation files with the Commissioner a copy of the schedule together with any supplementary information required by the Commissioner and either:  (a) Thirty days expires without notice from the Commissioner after the copy is filed; or  (b) The Commissioner gives written approval before that time.  (Added to NRS by 1971, 1872; A 1989, 517)
NV Rev Stat § 695B.240 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.240 - Provision of group service coverage before approval of forms.

  1. A corporation subject to the provisions of this chapter is permitted to provide group hospital or group medical or dental service coverage prior to the approval of the form of the contract or certificate if all the conditions of subsection 2 of this section are met prior thereto and if thereafter it acts as required by subsection 3.  2. The conditions referred to in subsection 1 are that:  (a) The group is one eligible for coverage pursuant to the provisions of this chapter.  (b) An executed memorandum has been or is concurrently delivered to the subscriber containing a provision that unless a group hospital or group medical or dental service certificate, the form of which has been approved by the Commissioner, which is issued under a group hospital or group medical or dental service contract the form of which has been approved by the Commissioner, and which embodies the coverage, has been issued and delivered to the subscriber within 90 days after the date on which the coverage is provided or agreed to be provided, the coverage provided pursuant to such memorandum terminates 120 days after such date. The memorandum shall contain a specification in either complete or summary form of:  (1) The class or classes of employees eligible for coverage.  (2) The benefits to be provided.  (3) The exceptions and reductions to such benefits, if any.  3. A corporation subject to the provisions of this chapter providing coverage pursuant to this section shall:  (a) Within 60 days after the date on which the coverage is provided or agreed to be provided, submit to the Commissioner for approval a form of a group hospital or group medical or dental service contract, and a form of a certificate of individual coverage, drafted to provide the coverage provided by such memorandum and to meet all requirements of law.  (b) Make such revisions in the contract and certificate submitted as the Commissioner may lawfully require.  (c) Terminate such coverage in accordance with the provisions of paragraph (b) of subsection 2 of this section if approval of such contract and certificate is not secured within the time specified therein.  (Added to NRS by 1971, 1872)
NV Rev Stat § 695B.250 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.250 - Extensions of time; automatic approval.

  1. Upon written request from the corporation subject to the provisions of this chapter filed within 50 days after the date on which the coverage is provided or agreed to be provided and upon proof satisfactory to the Commissioner that the corporation is acting with due diligence and that hardship will result unless an extension is granted, the Commissioner may extend the time set forth in paragraph (a) of subsection 3 of NRS 695B.240 for a period of not to exceed 30 days. Upon such extension, the corporation with the consent of the subscriber may amend the memorandum referred to in paragraph (b) of subsection 2 of NRS 695B.240 to extend the time within which the certificate must be issued and delivered to the subscriber to 30 days after the date to which the Commissioner has extended the time within which a form of contract and certificate must be submitted to the Commissioner for approval and to extend the date for termination of coverage to 30 days thereafter.  2. A contract and certificate submitted to the Commissioner with a letter from the corporation stating that coverage has been provided in accordance with this section shall be automatically approved unless the Commissioner disapproves the same within 30 days of the date of its submission to the Commissioner.  (Added to NRS by 1971, 1873)
NV Rev Stat § 695B.251 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.251 - Group subscriber contracts to contain provision for conversion to individual contracts; exceptions.

  1. Except as otherwise provided in the provisions of this section, NRS 689B.340 to 689B.580, inclusive, and chapter 689C of NRS relating to the portability and availability of health insurance, all group subscriber contracts delivered or issued for delivery in this state providing for hospital, surgical or major medical coverage, or any combination of these coverages, on a service basis or an expense-incurred basis, or both, must contain a provision that the employee or member is entitled to have issued to him or her a subscriber contract of health coverage when the employee or member is no longer covered by the group subscriber contract.  2. The requirement in subsection 1 does not apply to contracts providing benefits only for specific diseases or accidental injuries.  3. If an employee or member was a recipient of benefits under the coverage provided pursuant to NRS 695B.1944, the employee or member is not entitled to have issued to him or her by a replacement insurer a subscriber contract of health coverage unless the employee or member has reported for his or her normal employment for a period of 90 consecutive days after last being eligible to receive any benefits under the coverage provided pursuant to NRS 695B.1944.  (Added to NRS by 1979, 1087; A 1989, 1252; 1997, 2956; 2013, 3637)
NV Rev Stat § 695B.252 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.252 - Conversion privilege available to spouse and children; conditions.

Subject to the conditions set forth in NRS 695B.251 to 695B.259, inclusive, the conversion privilege must also be made available:  1. To the surviving spouse, if any, upon the death of the employee or member, with respect to the spouse and any child whose coverage under the group contract is terminated by reason of such death, or if there is no surviving spouse, to each surviving child whose coverage under the group contract terminates by reason of such death, or, if the group contract provides for continuation of dependents’ coverage following the employee’s or member’s death, at the end of the continued coverage;  2. To the spouse of the employee or member upon termination of coverage of the spouse while the employee or member remains covered under the group contract, if the spouse ceases to be a dependent as defined by the group contract, and to any child whose coverage under the group contract terminates at the same time; or  3. To a child solely with respect to himself or herself upon termination of his or her coverage because the child ceases to be a dependent as defined by the group contract, if a conversion privilege is not otherwise provided with respect to the termination.  (Added to NRS by 1979, 1089)
NV Rev Stat § 695B.253 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.253 - Denial of converted contract because of overinsurance; notice concerning cancellation of other coverage.

  1. The medical service corporation is not required to issue a converted contract to any person who:  (a) Is covered for similar benefits by another hospital, surgical, medical or major medical expense insurance policy, a hospital or medical service subscriber contract, a medical practice or other prepayment plan, or by any other kind of plan or program;  (b) Is eligible to be covered for similar benefits under any arrangement of coverage for individuals in a group, whether on an insured or uninsured basis; or  (c) Has similar benefits provided for or available under the requirements of any state or federal law,  if any benefits provided under the sources listed in this subsection, together with the benefits to be provided by the converted contract, would result in overinsurance according to the medical service corporation’s standards.  2. Before denying a converted contract to an applicant because the applicant has coverage as described in paragraph (a) of subsection 1, the medical service corporation shall notify the applicant that the converted contract will be issued only if the other coverage is cancelled.  (Added to NRS by 1979, 1087)
NV Rev Stat § 695B.254 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.254 - Choice of types of contracts must be offered.

  1. A person who is entitled to a converted contract must be given a choice of at least three types of contracts offering benefits on a service basis or an expense-incurred basis, or both.  2. The converted contract may include major medical or catastrophic benefits if they were provided under the group contract.  3. For those subscribers eligible for Medicare, the medical service corporation may provide for a supplement to Medicare as part of the conversion privilege.  (Added to NRS by 1979, 1088)
NV Rev Stat § 695B.255 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.255 - Benefits exceeding those provided under group contract not required; exclusions and limitations.

A medical service corporation is not required to issue a converted contract which provides benefits in excess of those provided under the group contract from which conversion is made, and a converted contract may contain any exclusion or benefit limitation contained in the group contract.  (Added to NRS by 1979, 1088)
NV Rev Stat § 695B.2555 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.2555 - Benefits payable under converted contract may be reduced by amount payable under group contract. [Effective through December 31, 2019.]

A converted contract must not exclude a preexisting condition not excluded by the group contract, but a converted contract may provide that any hospital, surgical or medical benefits payable under it may be reduced by the amount of any benefits payable under the group contract after his or her termination. A converted contract may provide that during the first contract year the benefits payable under it, together with the benefits payable under the group contract, must not exceed those that would have been payable if the subscriber’s coverage under the group contract had remained in effect.  (Added to NRS by 1979, 1088)
NV Rev Stat § 695B.2555 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.2555 - Benefits payable under converted contract may be reduced by amount payable under group contract. [Effective January 1, 2020.]

A converted contract may provide that any hospital, surgical or medical benefits payable under it may be reduced by the amount of any benefits payable under the group contract after his or her termination. A converted contract may provide that during the first contract year the benefits payable under it, together with the benefits payable under the group contract, must not exceed those that would have been payable if the subscriber’s coverage under the group contract had remained in effect.  (Added to NRS by 1979, 1088; A 2019, 307, effective January 1, 2020)
NV Rev Stat § 695B.256 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.256 - Issuance and effective date of converted contract; premiums; persons covered.

The medical service corporation shall:  1. Issue the converted contract without evidence of insurability;  2. Base the premium on the converted policies for the first 12 months, and subsequent renewals, upon the medical service corporation’s table of premium rates applicable to the age and class of risk of each person to be covered under the contract and to the type and amount of coverage provided. The frequency of premium payments must be the same as is customarily required by the medical service corporation for the contract form and plan selected except that premium payments must not be required more often than quarterly;  3. Provide that the effective date of the converted contract is 12:01 a.m. on the day after the termination of coverage under the group contract; and  4. Provide that the converted contract covers the employee or member and dependents of the employee or member who were covered by the group contract on the date of his or her termination. At the option of the insurer, a separate converted contract may be issued to cover any dependent.  (Added to NRS by 1979, 1087)
NV Rev Stat § 695B.2565 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.2565 - Renewal of converted contract: Request for information on sources of other benefits; grounds for refusal to renew; notice concerning cancellation of other coverage.

  1. A converted contract issued under NRS 695B.251 may include a provision permitting the medical service corporation to request from the applicant, in advance of any premium due date, information as to whether the applicant is covered for similar benefits under any of the sources listed in NRS 695B.253.  2. The medical service corporation may not refuse to renew the contract or the coverage of any person unless:  (a) Benefits provided under the sources listed in subsection 1 of NRS 695B.253, together with the benefits provided by the converted contract would result in overinsurance according to the medical service corporation’s standards;  (b) The holder of the converted contract has refused to provide requested information as to such sources; or  (c) Fraud was committed in applying for any benefits under the converted contract.  3. Before refusing to renew a converted contract because of overinsurance, the medical service corporation shall notify the subscriber that the converted contract will be renewed only if the other coverage is cancelled.  (Added to NRS by 1979, 1088)
NV Rev Stat § 695B.257 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.257 - Notice of conversion privilege.

A notification of the conversion privilege must be included in each certificate of coverage. A written notice of the existence of the conversion privilege must also be given to the employee or member at least 15 days before the expiration of the 31 days permitted a person to make a written application for the converted contract. If written notice of the right to convert is not given as required under this section, an additional period must be allowed the person to apply for the converted contract. The additional period expires 15 days after written notice of the conversion privilege has been given, or 60 days after the expiration of the 31-day period, whichever is earlier.  (Added to NRS by 1979, 1089)
NV Rev Stat § 695B.2575 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.2575 - Converted contract delivered outside Nevada: Form.

A converted contract which is to be delivered outside this state must be in such form as would be deliverable in the other jurisdiction as a converted contract if the group contract had been issued in that jurisdiction.  (Added to NRS by 1979, 1089)
NV Rev Stat § 695B.258 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.258 - Extension of coverage under existing group contract.

The medical service corporation may elect to extend coverage of a subscriber under the existing group contract for a period not to exceed 6 months following the day of the person’s eligibility for a converted contract if the conversion privilege is offered upon termination of the extended coverage under the group contract.  (Added to NRS by 1979, 1089)
NV Rev Stat § 695B.2585 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.2585 - Group coverage may be provided in lieu of converted individual contract.

The medical service corporation may elect to provide group coverage in lieu of the issuance of a converted individual contract.  (Added to NRS by 1979, 1089)
NV Rev Stat § 695B.259 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.259 - Medical service corporation may continue identical coverage in lieu of converting contract.

The medical service corporation may continue coverage identical to that provided under the group contract instead of issuing a converted contract. Coverage may be offered by amending the group certificate or by issuing an individual contract and must otherwise comply with every requirement of NRS 695B.251 to 695B.259, inclusive.  (Added to NRS by 1979, 1089; A 1987, 2235; 2013, 3638)
NV Rev Stat § 695B.260 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.260 - Suspension or revocation of permission to provide coverage before approval of forms.

The Commissioner may suspend or revoke the permission granted by NRS 695B.240 if, after notice and hearing, the Commissioner finds that the corporation has:  1. Misrepresented the conditional nature of the coverage.  2. Neglected or refused either to cancel or otherwise terminate such coverage within the time required by such section.  3. Delivered any such memorandum which did not comply with such section.  4. Shown a lack of diligence in making revisions in the contract or certificate necessary to obtain its approval by the Commissioner.  5. Failed so often in so many important respects in drafting any such contract or certificate to conform to the applicable requirements of the insurance laws that a conclusion of lack of good faith or competency in drafting is reasonably justified.  6. Circulated announcements of coverage to individual subscribers which failed to advise them of the conditional nature of the coverage.  7. In any other manner so negligently or carelessly handled the effecting of group hospital or group medical or dental service coverage under NRS 695B.240 or the administration thereof that the subscriber or the persons covered by the contract or certificate have been misled or exposed to the danger of loss.  (Added to NRS by 1971, 1873)
NV Rev Stat § 695B.270 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.270 - Disapproval of forms; issuance unlawful.

If the Commissioner notifies the corporation, in writing, that the filed form does not comply with the requirements of law, specifying the reasons for his or her opinion, it is unlawful for the corporation thereafter to issue any contract in such form.  (Added to NRS by 1971, 1874)
NV Rev Stat § 695B.280 (2021)
2021 Nevada Revised Statutes|Chapter 695B - Nonprofit Corporations for Hospital, Medical and Dental Service|NRS 695B.280 - Regulations; limitations.

The Commissioner may adopt such reasonable regulations, not inconsistent with the provisions of this chapter, relating to the substance, form and issuance of any contract covering the furnishing of hospital or medical or dental services and required to be approved by the Commissioner as are necessary or desirable. The regulations may not prohibit the use in any such contract or agreement of:  1. The word "subscriber" as a designation of the obligee.  2. The phrase "a family member" as a designation for the members of the family of the obligee.  3. The word "contract" or "agreement" as a designation for the undertakings of the hospital or medical or dental service corporation.  4. The phrases "furnishing of service" or "payment of benefits" as a designation for the commitments of the hospital or medical or dental service corporation.  5. The phrase "the service" as a designation for the corporate obligor in any such contract or agreement.  (Added to NRS by 1971, 1874; A 1981, 107)