reglab/housing_qa huggingface dataset:
NV Rev Stat § 689A.535 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.535 - "Group health plan" defined.

  1. "Group health plan" means an employee welfare benefit plan, as defined in section 3(1) of the Employee Retirement Income Security Act of 1974, as that section existed on July 16, 1997, to the extent that the plan provides medical care to employees or their dependents as defined under the terms of the plan directly, or through insurance, reimbursement or otherwise.  2. The term does not include:  (a) Coverage that is only for accident or disability income insurance, or any combination thereof;  (b) Coverage issued as a supplement to liability insurance;  (c) Liability insurance, including general liability insurance and automobile liability insurance;  (d) Workers’ compensation or similar insurance;  (e) Coverage for medical payments under a policy of automobile insurance;  (f) Credit insurance;  (g) Coverage for on-site medical clinics; and  (h) Other similar insurance coverage specified in federal regulations adopted pursuant to Public Law 104-191 under which benefits for medical care are secondary or incidental to other insurance benefits.  3. The term does not include the following benefits if the benefits are provided under a separate policy, certificate or contract of insurance or are otherwise not an integral part of a health benefit plan:  (a) Limited-scope dental or vision benefits;  (b) Benefits for long-term care, nursing home care, home health care or community-based care, or any combination thereof; and  (c) Such other similar benefits as are specified in federal regulations adopted pursuant to Public Law 104-191.  4. The term does not include the following benefits if the benefits are provided under a separate policy, certificate or contract of insurance, there is no coordination between the provision of the benefits and any exclusion of benefits under any group health plan maintained by the same plan sponsor, and such benefits are paid for a claim without regard to whether benefits are provided for such a claim under any group health plan maintained by the same plan sponsor:  (a) Coverage that is only for a specified disease or illness; and  (b) Hospital indemnity or other fixed indemnity insurance.  5. The term does not include any of the following, if offered as a separate policy, certificate or contract of insurance:  (a) Medicare supplemental health insurance as defined in section 1882(g)(1) of the Social Security Act, as that section existed on July 16, 1997;  (b) Coverage supplemental to the coverage provided pursuant to chapter 55 of Title 10, United States Code (Civilian Health and Medical Program of Uniformed Services (CHAMPUS)); and  (c) Similar supplemental coverage provided under a group health plan.  (Added to NRS by 1997, 2885)
NV Rev Stat § 689A.540 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.540 - "Health benefit plan" defined. [Effective through December 31, 2019.]

  1. "Health benefit plan" means a policy, contract, certificate or agreement offered by a carrier 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 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) Other similar insurance coverage specified in federal regulations issued pursuant to Public Law 104-191 under which benefits for medical care are secondary or incidental to other insurance benefits;  (i) Coverage under a short-term health insurance policy; and  (j) Coverage under a blanket student accident and health insurance policy.  3. The term does not include the following benefits if the benefits are provided under a separate policy, certificate or contract of insurance or are otherwise not an integral part of a health benefit plan:  (a) Limited-scope dental or vision benefits;  (b) Benefits for long-term care, nursing home care, home health care or community-based care, or any combination thereof; and  (c) Such other similar benefits as are specified in any federal regulations adopted pursuant to the Health Insurance Portability and Accountability Act of 1996, Public Law 104-191.  4. The term does not include the following benefits if the benefits are provided under a separate policy, certificate or contract of insurance, there is no coordination between the provision of the benefits and any exclusion of benefits under any group health plan maintained by the same plan sponsor, and 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:  (a) Coverage that is only for a specified disease or illness; and  (b) Hospital indemnity or other fixed indemnity insurance.  5. The term does not include any of the following, if offered as a separate policy, certificate or contract of insurance:  (a) Medicare supplemental health insurance as defined in section 1882(g)(1) of the Social Security Act, 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 1997, 2886; A 1999, 2803)
NV Rev Stat § 689A.540 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.540 - "Health benefit plan" defined. [Effective January 1, 2020.]

Health benefit plan has the meaning ascribed to it in NRS 687B.470.  (Added to NRS by 1997, 2886; A 1999, 2803; 2019, 1107, 1430, effective January 1, 2020)
NV Rev Stat § 689A.550 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.550 - "Individual carrier" defined.

Individual carrier means any entity subject to the provisions of this title and the regulations adopted pursuant thereto, that contracts or offers to contract to provide for, deliver payment for, arrange for payment of, pay for, or reimburse any cost of health care services, including a sickness and accident health service corporation, and any other entity providing a plan of health insurance, health benefits or health services to individuals and their dependents in this state.  (Added to NRS by 1997, 2887)
NV Rev Stat § 689A.555 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.555 - "Individual health benefit plan" defined.

Individual health benefit plan means:  1. A health benefit plan for individuals and their dependents, other than a converted policy or a plan for coverage of a bona fide association; and  2. A certificate issued to an individual that evidences coverage under a policy or contract issued to a trust or an association or to any other similar group of persons, other than a plan for coverage of a bona fide association, regardless of the situs of delivery of the policy or contract, if the individual pays the premium and is not being covered under the policy or contract pursuant to any provision for the continuation of benefits applicable under federal or state law.  (Added to NRS by 1997, 2887)
NV Rev Stat § 689A.570 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.570 - "Plan for coverage of a bona fide association" defined.

Plan for coverage of a bona fide association means a health benefit plan for the members, and their dependents, of a bona fide association in this state regardless of the situs of delivery of the policy or contract, if the health benefit plan conforms with NRS 689A.725.  (Added to NRS by 1997, 2888)
NV Rev Stat § 689A.580 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.580 - "Plan sponsor" defined.

Plan sponsor has the meaning ascribed to it in section 3(16)(B) of the Employee Retirement Security Act of 1974, as that section existed on July 16, 1997.  (Added to NRS by 1997, 2888)
NV Rev Stat § 689A.585 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.585 - "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 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, 2888; R 2019, 318, effective January 1, 2020)
NV Rev Stat § 689A.590 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.590 - "Producer" defined.

Producer means an agent or broker licensed pursuant to this Title.  (Added to NRS by 1997, 2888)
NV Rev Stat § 689A.600 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.600 - "Provision for a restricted network" defined.

Provision for a restricted network means any provision of a health benefit plan that conditions the payment of benefits, in whole or in part, on the use of a provider of health care that has entered into a contractual arrangement with an individual carrier to provide health care services to individuals covered by the plan.  (Added to NRS by 1997, 2888)
NV Rev Stat § 689A.615 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.615 - 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 NRS 689A.470 to 689A.740, inclusive:  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 the 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 subsection 2, as an employee welfare benefit plan which 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, 2889; A 2017, 2362)
NV Rev Stat § 689A.635 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.635 - Coverage offered through network plan not required to be offered to person who does not reside or work in geographic service area or geographic rating area.

  1. An individual carrier that offers coverage through a network plan is not required pursuant to NRS 689A.630 to offer coverage to or accept an application from a person if the person does not reside or work in the geographic service area or in a geographic rating area, provided that the coverage is refused or terminated uniformly without regard to any health status-related factor of any eligible person.  2. As used in this section, "network plan" means a health benefit plan offered by a health carrier under which the financing and delivery of medical care is 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, 2892; A 2013, 3615)
NV Rev Stat § 689A.637 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.637 - Coverage offered through plan that provides for restricted network: Contracts with certain federally qualified health centers.

  1. An individual carrier that offers a health benefit plan that includes a provision for a restricted network shall use its best efforts to contract with at least one health center in each geographic service area to provide health care services to persons covered by the plan if the health center:  (a) Meets all conditions imposed by the carrier on similarly situated providers of health care with which the carrier contracts, including, without limitation:  (1) Certification for participation in the Medicaid or Medicare program; and  (2) Requirements relating to the appropriate credentials for providers of health care; and  (b) Agrees to reasonable reimbursement rates that are generally consistent with those offered by the carrier to similarly situated providers of health care with which the carrier contracts.  2. As used in this section, "health center" has the meaning ascribed to it in 42 U.S.C. § 254b.  (Added to NRS by 2001, 1922; A 2013, 3615)
NV Rev Stat § 689A.696 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.696 - Information and documents to be made available to Commissioner; proprietary information.

  1. An individual carrier shall make the unified rate review template and rate filing documentation used by the individual carrier and any information and documents described in any regulations adopted pursuant to NRS 689A.700 available to the Commissioner upon request. Except in cases of violations of the provisions of this chapter, the unified rate review template and rate filing documentation used by an individual carrier are considered proprietary, constitute a trade secret and are not subject to disclosure by the Commissioner to persons outside of the Division except as agreed to by the individual carrier or as ordered by a court of competent jurisdiction.  2. As used in this section, "rate filing documentation" and "unified rate review template" have the meanings ascribed to them in 45 C.F.R. § 154.215.  (Added to NRS by 2017, 2358)
NV Rev Stat § 689A.700 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.700 - Regulations regarding rates.

The Commissioner may adopt regulations to carry out the provisions of this section and NRS 689A.690 and to ensure that the practices used by individual carriers relating to the establishment of rates are consistent with the purposes of NRS 689A.470 to 689A.740, inclusive.  (Added to NRS by 1997, 2895; A 2013, 3617; 2015, 3485; 2017, 2364)
NV Rev Stat § 689A.705 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.705 - Regulations concerning reissuance of health benefit plan.

The Commissioner may adopt regulations to require an individual carrier, as a condition of transacting business with individuals in this state after July 16, 1997, to reissue a health benefit plan to any individual whose health benefit plan has been terminated or not renewed by the individual carrier after July 1, 1997. The Commissioner may prescribe such terms for the reissue of coverage as the Commissioner finds are reasonable and necessary to provide continuity of coverage to individuals.  (Added to NRS by 1997, 2897)
NV Rev Stat § 689A.710 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.710 - Prohibited acts; denial of application for coverage; regulations; violation may constitute unfair trade practice; applicability of section.

  1. Except as otherwise provided in this section, an individual carrier or a producer shall not, directly or indirectly:  (a) Encourage or direct an individual or family to refrain from filing an application for coverage with an individual carrier because of the health status, claims experience, industry, occupation or geographic location of the individual or family.  (b) Encourage or direct an individual or family to seek coverage from another carrier because of the health status, claims experience, industry, occupation or geographic location of the individual or family.  2. The provisions of subsection 1 do not apply to information provided to an individual or family by an individual carrier or a producer relating to the geographic service area or a provision for a restricted network of the individual carrier.  3. An individual carrier shall not, directly or indirectly, enter into any contract, agreement or arrangement with a producer if the contract, agreement or arrangement provides for or results in a variation to the compensation paid to a producer for the sale of a health benefit plan because of the health status, claims experience, industry, occupation or geographic location of the individual at the time that the health benefit plan is issued to or renewed by the individual.  4. An individual carrier shall not terminate, fail to renew, or limit its contract or agreement of representation with a producer for any reason related to the health status, claims experience, industry, occupation or geographic location of an individual at the time that the health benefit plan is issued to or renewed by the individual placed by the producer with the individual carrier.  5. A denial by an individual carrier of an application for coverage from an individual or family must be in writing and must state the reason for the denial.  6. The Commissioner may adopt regulations that set forth additional standards to provide for the fair marketing and broad availability of health benefit plans to individuals or families in this state.  7. A violation of any provision of this section by an individual carrier may constitute an unfair trade practice for the purposes of chapter 686A of NRS.  8. The provisions of this section apply to a third-party administrator if the third-party administrator enters into a contract, agreement or other arrangement with an individual carrier to provide administrative, marketing or other services related to the offering of a health benefit plan to individuals or families in this state.  9. Nothing in this section interferes with the right and responsibility of a producer to advise and represent the best interests of an individual or family who is seeking health insurance coverage from an individual carrier.  (Added to NRS by 1997, 2896; A 2013, 3617)
NV Rev Stat § 689A.715 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.715 - 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 individual health insurance coverage is provided must comply with the provisions of NRS 679B.139 and 689A.470 to 689A.740, inclusive, 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, 2890; A 2017, 2364)
NV Rev Stat § 689A.720 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.720 - Written certification of coverage required for determining period of creditable coverage accumulated by person; provision of certificate to insured.

  1. To determine the period of creditable coverage of a person, a health insurance issuer offering individual health insurance coverage shall provide written certification of coverage on a form prescribed by the Commissioner to the person that certifies:  (a) The period of creditable coverage of the person under the individual health insurance coverage; and  (b) The date that a substantially completed application was received by the health insurance issuer from the person for individual health insurance coverage.  2. The certification of coverage must be provided to the insured:  (a) At the time that the insured ceases to be covered under the individual health insurance coverage or otherwise becomes covered under any provision of the Consolidated Omnibus Budget Reconciliation Act of 1985, as that act existed on July 16, 1997, relating to the continuation of coverage;  (b) If the insured becomes covered under such a provision, at the time that the insured ceases to be covered by that provision; and  (c) Upon the request of the insured, if the request is made not later than 24 months after the date on which the insured ceased to be covered as described in paragraphs (a) and (b).  (Added to NRS by 1997, 2897)
NV Rev Stat § 689A.725 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.725 - Requirements for plan for coverage.

For the purposes of NRS 689A.470 to 689A.740, inclusive, a plan for coverage of a bona fide association must:  1. Conform with any regulations adopted pursuant to NRS 689A.700 concerning rates.   2. Provide for the renewability of coverage for members of the bona fide association, and their dependents, if such coverage meets the criteria set forth in NRS 689A.630.  (Added to NRS by 1997, 2889; A 2013, 3618; 2015, 3485; 2017, 2364)
NV Rev Stat § 689A.740 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.740 - Regulations.

The Commissioner shall adopt regulations as necessary to carry out the provisions of NRS 689A.470 to 689A.740, inclusive.  (Added to NRS by 1997, 2896; A 2017, 2365)
NV Rev Stat § 689A.745 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.745 - Approval; requirements; examination.

  1. Except as otherwise provided in subsection 4, each insurer that issues a policy of health insurance in this State shall establish a system for resolving any complaints of an insured concerning health care services covered under the policy. The system must be approved by the Commissioner.  2. A system for resolving complaints established pursuant to subsection 1 must include an initial investigation, a review of the complaint by a review board and a procedure for appealing a determination regarding the complaint. The majority of the members on a review board must be insureds who receive health care services pursuant to a policy of health insurance issued by the insurer.  3. The Commissioner may examine the system for resolving complaints established pursuant to subsection 1 at such times as the Commissioner deems necessary or appropriate.  4. Each insurer that issues a policy of health insurance in this State that provides, delivers, arranges for, pays for or reimburses any cost of health care services through managed care shall provide a system for resolving any complaints of an insured concerning those health care services that complies with the provisions of NRS 695G.200 to 695G.310, inclusive.  (Added to NRS by 1997, 307; A 2003, 774; 2011, 3381; 2017, 2365)