reglab/housing_qa huggingface dataset:
NV Rev Stat § 689C.075 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.075 - "Health benefit plan" defined.

  1. "Health benefit plan" means a policy, contract, certificate or agreement to provide for, deliver payment for, arrange for the payment of, pay for or reimburse any of the costs of health care services. Except as otherwise provided in this section, the term includes short-term and catastrophic health insurance policies and a policy that pays on a cost-incurred basis.  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;  (h) Coverage under a short-term health insurance policy;  (i) Coverage under a blanket student accident and health insurance policy; and  (j) Other similar insurance coverage specified in federal regulations issued pursuant to the Health Insurance Portability and Accountability Act of 1996, Public Law 104-191, under which benefits for medical care are secondary or incidental to other insurance benefits.  3. 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, the term does not include the following benefits:  (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 any federal regulations adopted pursuant to the Health Insurance Portability and Accountability Act of 1996, Public Law 104-191.  4. 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 the 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, the term does not include:  (a) Coverage that is only for a specified disease or illness; and  (b) Hospital indemnity or other fixed indemnity insurance.  5. If offered as a separate policy, certificate or contract of insurance, the term does not include:  (a) Medicare supplemental health insurance as defined in section 1882(g)(1) of the Social Security Act, 42 U.S.C. § 1395ss, as that section existed on July 16, 1997;  (b) Coverage supplemental to the coverage provided pursuant to the Civilian Health and Medical Program of Uniformed Services, CHAMPUS, 10 U.S.C. §§ 1071 et seq.; and  (c) Similar supplemental coverage provided under a group health plan.  (Added to NRS by 1995, 978; A 1997, 2940; 1999, 2811; 2007, 3326)
NV Rev Stat § 689C.077 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.077 - "Network plan" defined.

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, 2918)
NV Rev Stat § 689C.078 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.078 - "Open enrollment" defined.

Open enrollment means the period designated for enrollment in a health benefit plan.  (Added to NRS by 1997, 2918)
NV Rev Stat § 689C.079 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.079 - "Plan for coverage of a bona fide association" defined.

Plan for coverage of a bona fide association has the meaning ascribed to it in NRS 689A.570.  (Added to NRS by 1997, 2918)
NV Rev Stat § 689C.081 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.081 - "Plan sponsor" defined.

Plan sponsor has the meaning ascribed to it in section 3(16)(B) of the Employee Retirement Income Security Act of 1974, as that section existed on July 16, 1997.  (Added to NRS by 1997, 2918)
NV Rev Stat § 689C.082 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.082 - "Preexisting condition" defined. [Effective through December 31, 2019.]

Preexisting condition means a condition, regardless of the cause of the condition, for which medical advice, diagnosis, care or treatment was recommended or received during the 6 months immediately preceding the effective date of the new coverage. The term does not include genetic information in the absence of a diagnosis of the condition related to such information.  (Added to NRS by 1997, 2918; R 2019, 318, effective January 1, 2020)
NV Rev Stat § 689C.083 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.083 - "Producer" defined.

Producer means an agent or broker licensed pursuant to this title.  (Added to NRS by 1997, 2918)
NV Rev Stat § 689C.085 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.085 - "Rating period" defined.

Rating period means the period for which premium rates established by a carrier are assumed to be in effect.  (Added to NRS by 1995, 979)
NV Rev Stat § 689C.095 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.095 - "Small employer" defined.

Small employer has the meaning ascribed to it in 42 U.S.C. § 18024(b)(2).  (Added to NRS by 1995, 979; A 1997, 2941; 1999, 2812; 2013, 3625)
NV Rev Stat § 689C.106 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.106 - "Waiting period" defined.

Waiting period means the period established by a plan of health insurance that must pass before a person who is an eligible participant or beneficiary in a plan is covered for benefits under the terms of the plan. The term includes the period from the date a person submits an application to an individual carrier for coverage under a health benefit plan until the first day of coverage under that health benefit plan.  (Added to NRS by 1997, 2919; A 1999, 2813)
NV Rev Stat § 689C.1065 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.1065 - Applicability.

The provisions of this chapter apply to health benefit plans that provide coverage to the employees of small employers in this state and to carriers that offer those health benefit plans if:  1. A portion of the premium or benefits are paid by or on behalf of the small employer;  2. An eligible employee or a dependent of the eligible employee is reimbursed for a portion of the premium, whether by wage adjustments or otherwise, by or on behalf of the small employer; or  3. The health benefit plan is considered by the small employer or any of the small employer’s eligible employees or dependents as part of a plan or program for the purposes of section 106, 125 or 162 of the Internal Revenue Code, 26 U.S.C. § 106, 125 or 162.  (Added to NRS by 1999, 2810)
NV Rev Stat § 689C.109 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.109 - Certain plan, fund or program to be treated as employee welfare benefit plan which is group health plan; partnership deemed employer of each partner.

For the purposes of this chapter:  1. Any plan, fund or program which would not be, but for section 2721(e) of the Public Health Service Act, as amended by Public Law 104-191, as that section existed on July 16, 1997, an employee welfare benefit plan and which is established or maintained by a partnership to the extent that the plan, fund or program provides medical care to current or former partners in a partnership, or to their dependents, as defined under the terms of the plan, fund or program, directly, or through insurance, reimbursement or otherwise, must be treated, subject to the provisions of subsection 2, as an employee welfare benefit plan that is a group health plan.  2. In the case of a group health plan, a partnership shall be deemed to be the employer of each partner.  (Added to NRS by 1997, 2919)
NV Rev Stat § 689C.111 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.111 - Employee leasing company deemed large employer in certain circumstances.

An employee leasing company which has more than 50 employees, including leased employees at client locations, and which sponsors a fully insured health benefit plan for those employees shall be deemed to be a large employer for the purposes of this chapter.  (Added to NRS by 1997, 2919; A 2011, 3384; 2017, 2372)
NV Rev Stat § 689C.113 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.113 - Requirements for employee welfare benefit plan for providing benefits for employees of more than one employer.

  1. An employee welfare benefit plan for providing benefits for employees of more than one employer under which health insurance coverage is provided to small employers must comply with the provisions of this chapter and with NRS 679B.139 and the regulations adopted by the Commissioner pursuant thereto.  2. As used in this section, the term "employee welfare benefit plan for providing benefits for employees of more than one employer" is intended to be equivalent to the term "employee welfare benefit plan which is a multiple employer welfare arrangement" as used in federal statutes and regulations.  (Added to NRS by 1997, 2928)
NV Rev Stat § 689C.115 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.115 - Mandatory and optional coverage.

  1. A health benefit plan offered by a carrier pursuant to this chapter must include coverage of basic medical and hospital care.  2. In addition to the coverage required by subsection 1, a carrier may offer additional coverage for an additional cost upon the approval of the Commissioner.  (Added to NRS by 1995, 979)
NV Rev Stat § 689C.125 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.125 - Rating factors for determining premiums.

  1. A carrier serving small employers shall apply rating factors consistently with respect to all small employers. Rating factors must produce premiums for identical groups that differ only by the amounts attributable to the design of the plans and the terms of the coverage and do not reflect differences based on the nature of the groups that will select particular health benefit plans. As used in this subsection, "premium" means all money paid by a small employer and eligible employees to a carrier as a condition of receiving coverage from a carrier, including any fees or other contributions associated with the health benefit plan.  2. A carrier serving small employers shall treat all health benefit plans issued or renewed in the same calendar month as having the same rating period, if the terms of coverage provided in the plans are the same.  (Added to NRS by 1995, 979; A 2013, 3625)
NV Rev Stat § 689C.135 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.135 - Effect of provision in health benefit plan for restricted network on determination of rates.

  1. For the purposes of determining rates charged for health benefit plans, a health benefit plan that contains a provision for a restricted network is not similar coverage to a health benefit plan that does not contain such a provision if the restriction of benefits results in material differences in cost of claims.  2. As used in this section, "provision for a restricted network" means any provision of a group health benefit plan that conditions the payment of benefits, in whole or in part, on the use of providers of health care who have entered into a contractual arrangement with the carrier to provide health care to persons covered by the plan.  (Added to NRS by 1995, 980)
NV Rev Stat § 689C.143 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.143 - Offering of policy of health insurance for purposes of establishing health savings account.

A carrier may, subject to regulation by the Commissioner, offer a policy of health insurance that has a high deductible and is in compliance with 26 U.S.C. § 223 for the purposes of establishing a health savings account.  (Added to NRS by 2005, 2137)
NV Rev Stat § 689C.155 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.155 - Regulations.

The Commissioner may adopt regulations to carry out the provisions of NRS 689C.109 to 689C.143, inclusive, 689C.156 to 689C.159, inclusive, 689C.165, 689C.183, 689C.187, 689C.191 to 689C.198, inclusive, 689C.203, 689C.207, 689C.265, 689C.325, 689C.355 and 689C.610 to 689C.940, inclusive, and to ensure that rating practices used by carriers serving small employers are consistent with those sections, including regulations that:  1. Ensure that differences in rates charged for health benefit plans by such carriers are reasonable and reflect only differences in the designs of the plans, the terms of the coverage, the amount contributed by the employers to the cost of coverage and differences based on the rating factors established by the carrier.  2. Prescribe the manner in which rating factors may be used by such carriers.  (Added to NRS by 1995, 980; A 1997, 2942; 2013, 3626; 2015, 640)
NV Rev Stat § 689C.156 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.156 - Each health benefit plan marketed in this State required to be offered to small employers.

  1. As a condition of transacting business in this State with small employers, a carrier shall actively market to a small employer each health benefit plan which is actively marketed in this State by the carrier to any small employer in this State. A carrier shall be deemed to be actively marketing a health benefit plan when it makes available any of its plans to a small employer that is not currently receiving coverage under a health benefit plan issued by that carrier.  2. A carrier shall issue to a small employer any health benefit plan marketed in accordance with this section if the eligible small employer applies for the plan and agrees to make the required premium payments and satisfy the other reasonable provisions of the health benefit plan that are not inconsistent with NRS 689C.015 to 689C.355, inclusive, and 689C.610 to 689C.940, inclusive, except that a carrier is not required to issue a health benefit plan to a self-employed person who is covered by, or is eligible for coverage under, a health benefit plan offered by another employer.  3. If a health benefit plan marketed pursuant to this section provides, delivers, arranges for, pays for or reimburses any cost of health care services through managed care, the carrier shall provide a system for resolving any complaints of an employee concerning those health care services that complies with the provisions of NRS 695G.200 to 695G.310, inclusive.  (Added to NRS by 1997, 2920; A 2003, 775; 2011, 3384; 2013, 3626; 2015, 640)
NV Rev Stat § 689C.1565 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.1565 - Coverage to small employers not required under certain circumstances; notice to Commissioner of and prohibition on writing new business after election not to offer new coverage required.

  1. A carrier is not required to provide coverage to small employers pursuant to NRS 689C.156:  (a) During any period in which the Commissioner determines that requiring the carrier to provide such coverage would place the carrier in a financially impaired condition.  (b) If the carrier elects not to offer any new coverage to any small employers in this State. A carrier that elects not to offer new coverage in accordance with this paragraph may maintain its existing policies issued to small employers in this State, subject to the requirements of NRS 689C.310 and 689C.320.  2. A carrier that elects not to offer new coverage pursuant to paragraph (b) of subsection 1 shall notify the Commissioner forthwith of that election and shall not thereafter write any new business to small employers in this State for 5 years after the date of the notification.  (Added to NRS by 1997, 2920)
NV Rev Stat § 689C.158 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.158 - Producer may only sign up small employers and eligible employees in bona fide associations if employers and employees are actively engaged in or related to bona fide association.

For the purposes of providing coverage under a health benefit plan pursuant to the provisions of this chapter, a producer may only market association memberships to small employers and eligible employees, accept applications for such membership or sign up such members in a bona fide association if the small employers and eligible employees being marketed are actively engaged in, or directly related to, the bona fide association.  (Added to NRS by 1997, 2919)
NV Rev Stat § 689C.159 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.159 - Certain provisions inapplicable to plan that carrier makes available only through bona fide association. [Effective through December 31, 2019.]

The provisions of NRS 689C.156 and 689C.190 do not apply to health benefit plans offered by a carrier if the carrier makes the health benefit plan available in the small employer market only through a bona fide association.  (Added to NRS by 1997, 2921; A 2013, 3627)
NV Rev Stat § 689C.159 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.159 - Certain provisions inapplicable to plan that carrier makes available only through bona fide association. [Effective January 1, 2020.]

The provisions of NRS 689C.156 do not apply to health benefit plans offered by a carrier if the carrier makes the health benefit plan available in the small employer market only through a bona fide association.  (Added to NRS by 1997, 2921; A 2013, 3627; 2019, 302, effective January 1, 2020)
NV Rev Stat § 689C.160 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.160 - Carrier must uniformly apply requirements to determine whether to provide coverage.

The requirements used by a carrier serving small employers to determine whether to provide coverage to a small employer, including, without limitation, requirements for minimum participation of eligible employees and minimum employer’s contributions, must be applied uniformly among all small employers with the same number of eligible employees applying for coverage or receiving coverage from the carrier.  (Added to NRS by 1995, 980; A 2013, 3627)
NV Rev Stat § 689C.165 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.165 - Carrier prohibited from modifying plan to restrict or exclude coverage for certain services.

Except as otherwise provided in NRS 689C.170 and 689C.180, a carrier shall not modify a health benefit plan with respect to a small employer or any eligible employee or dependent of an eligible employee, through riders or endorsements, or otherwise, to restrict or exclude coverage or benefits for specific diseases, medical conditions or services otherwise covered by the plan.  (Added to NRS by 1997, 2921)
NV Rev Stat § 689C.166 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.166 - Coverage for alcohol or substance use disorder: Required.

Each group health insurance policy must contain in substance a provision for benefits payable for expenses incurred for the treatment of alcohol or substance use disorder, as provided in NRS 689C.167.  (Added to NRS by 2009, 1811)
NV Rev Stat § 689C.167 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.167 - Coverage for alcohol or substance use disorders: Benefits.

  1. The benefits provided by a group policy for health insurance, as required by NRS 689C.166, for the treatment of alcohol or substance use disorders must consist of:  (a) Treatment for withdrawal from the physiological effects of alcohol or drugs, with a minimum benefit of $1,500 per calendar year.  (b) Treatment for a patient admitted to a facility, with a minimum benefit of $9,000 per calendar year.  (c) Counseling for a person, group or family who is not admitted to a facility, with a minimum benefit of $2,500 per calendar year.  2. Except as otherwise provided in NRS 687B.409, these benefits must be paid in the same manner as benefits for any other illness covered by a similar policy are paid.  3. The insured person is entitled to these benefits if treatment is received in any:  (a) Facility for the treatment of alcohol or substance use disorders which is certified by the Division of Public and Behavioral Health of the Department of Health and Human Services.  (b) Hospital or other medical facility or facility for the dependent which is licensed by the Division of Public and Behavioral Health of the Department of Health and Human Services, is accredited by The Joint Commission or CARF International and provides a program for the treatment of alcohol or substance use disorders as part of its accredited activities.  (Added to NRS by 2009, 1812; A 2017, 2210)