reglab/housing_qa huggingface dataset:
NV Rev Stat § 689C.192 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.192 - Written certification of coverage required for purpose of determining period of creditable coverage accumulated by person.

  1. For the purposes of determining the period of creditable coverage of a person accumulated under a health benefit plan or group health insurance, the insurer shall provide written certification of coverage on a form prescribed by the Commissioner to the person which certifies the length of:  (a) The period of creditable coverage that the person accumulated under the plan and any coverage 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; and  (b) Any waiting and affiliation period imposed on the person pursuant to that coverage.  2. The certification of coverage must be provided to the person who was insured:  (a) At the time that the person ceases to be covered under the plan, if the person does not otherwise become 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 person becomes covered under such a provision, at the time that the person ceases to be covered by that provision; and  (c) Upon request, if the request is made not later than 24 months after the date on which the person ceased to be covered as described in paragraphs (a) and (b).  (Added to NRS by 1997, 2927)
NV Rev Stat § 689C.193 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.193 - Carrier prohibited from imposing restriction on participation inconsistent with certain sections; restrictions on rules of eligibility that may be established; premiums to be equitable. [Effective through December 31, 2019.]

  1. A carrier shall not place any restriction on a small employer or an eligible employee or a dependent of the eligible employee as a condition of being a participant in or a beneficiary of a health benefit plan that is inconsistent with NRS 689C.015 to 689C.355, inclusive.  2. A carrier that offers health insurance coverage to small employers pursuant to this chapter shall not establish rules of eligibility, including, but not limited to, rules which define applicable waiting periods, for the initial or continued enrollment under a health benefit plan offered by the carrier that are based on the following factors relating to the eligible employee or a dependent of the eligible employee:  (a) Health status.  (b) Medical condition, including physical and mental illnesses, or both.  (c) Claims experience.  (d) Receipt of health care.  (e) Medical history.  (f) Genetic information.  (g) Evidence of insurability, including conditions which arise out of acts of domestic violence.  (h) Disability.  3. Except as otherwise provided in NRS 689C.190, the provisions of subsection 1 do not require a carrier to provide particular benefits other than those that would otherwise be provided under the terms of the health benefit plan or coverage.  4. As a condition of enrollment or continued enrollment under a health benefit plan, a carrier shall not require any person to pay a premium or contribution that is greater than the premium or contribution for a similarly situated person covered by similar coverage on the basis of any factor described in subsection 2 in relation to the person or a dependent of the person.  5. Nothing in this section:  (a) Restricts the amount that a small employer may be charged for coverage by a carrier;  (b) Prevents a carrier from establishing premium discounts or rebates or from modifying otherwise applicable copayments or deductibles in return for adherence by the insured person to programs of health promotion and disease prevention; or  (c) Precludes a carrier from establishing rules relating to employer contribution or group participation when offering health insurance coverage to small employers in this State.  6. As used in this section:  (a) "Contribution" means the minimum employer contribution toward the premium for enrollment of participants and beneficiaries in a health benefit plan.  (b) "Group participation" means the minimum number of participants or beneficiaries that must be enrolled in a health benefit plan in relation to a specified percentage or number of eligible persons or employees of the employer.  (Added to NRS by 1997, 2925; A 2013, 3630)
NV Rev Stat § 689C.193 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.193 - Carrier prohibited from imposing restriction on participation inconsistent with certain sections; restrictions on rules of eligibility that may be established. [Effective January 1, 2020.]

  1. A carrier shall not place any restriction on a small employer or an eligible employee or a dependent of the eligible employee as a condition of being a participant in or a beneficiary of a health benefit plan that is inconsistent with NRS 689C.015 to 689C.355, inclusive.  2. A carrier that offers health insurance coverage to small employers pursuant to this chapter shall not establish rules of eligibility which conflict with the provisions of NRS 689B.550, including, but not limited to, rules which define applicable waiting periods, for the initial or continued enrollment under a health benefit plan offered by the carrier that are based on the following factors relating to the eligible employee or a dependent of the eligible employee:  (a) Health status.  (b) Medical condition, including physical and mental illnesses, or both.  (c) Claims experience.  (d) Receipt of health care.  (e) Medical history.  (f) Genetic information.  (g) Evidence of insurability, including conditions which arise out of acts of domestic violence.  (h) Disability.  3. Except as otherwise provided in NRS 689C.190, the provisions of subsection 1 do not require a carrier to provide particular benefits other than those that would otherwise be provided under the terms of the health benefit plan or coverage.  4. Nothing in this section:  (a) Restricts the amount that a small employer may be charged for coverage by a carrier;  (b) Prevents a carrier from establishing premium discounts or rebates or from modifying otherwise applicable copayments or deductibles in return for adherence by the insured person to programs of health promotion and disease prevention; or  (c) Precludes a carrier from establishing rules relating to employer contribution or group participation when offering health insurance coverage to small employers in this State.  5. As used in this section:  (a) "Contribution" means the minimum employer contribution toward the premium for enrollment of participants and beneficiaries in a health benefit plan.  (b) "Group participation" means the minimum number of participants or beneficiaries that must be enrolled in a health benefit plan in relation to a specified percentage or number of eligible persons or employees of the employer.  (Added to NRS by 1997, 2925; A 2013, 3630; 2019, 303, effective January 1, 2020)
NV Rev Stat § 689C.1945 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.1945 - Plan that includes coverage for maternity care must not deny coverage to gestational carrier; status of child in relation to intended parent. [Effective January 1, 2020.]

  1. A carrier that offers or issues a health benefit plan that includes coverage for maternity care shall not deny, limit or seek reimbursement for maternity care because the insured is acting as a gestational carrier.  2. If an insured acts as a gestational carrier, the child shall be deemed to be a child of the intended parent, as defined in NRS 126.590, for purposes related to the health benefit plan.  3. As used in this section, "gestational carrier" has the meaning ascribed to it in NRS 126.580.  (Added to NRS by 2019, 1006, effective January 1, 2020)
NV Rev Stat § 689C.195 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.195 - Coverage for services provided through telehealth.

  1. A health benefit plan must include coverage for services provided to an insured through telehealth to the same extent as though provided in person or by other means.   2. A carrier shall not:   (a) Require an insured to establish a relationship in person with a provider of health care or provide any additional consent to or reason for obtaining services through telehealth as a condition to providing the coverage described in subsection 1;   (b) Require a provider of health care to demonstrate that it is necessary to provide services to an insured through telehealth or receive any additional type of certification or license to provide services through telehealth as a condition to providing the coverage described in subsection 1;  (c) Refuse to provide the coverage described in subsection 1 because of the distant site from which a provider of health care provides services through telehealth or the originating site at which an insured receives services through telehealth; or  (d) Require covered services to be provided through telehealth as a condition to providing coverage for such services.  3. A health benefit plan must not require an insured to obtain prior authorization for any service provided through telehealth that is not required for the service when provided in person. A health benefit plan may require prior authorization for a service provided through telehealth if such prior authorization would be required if the service were provided in person or by other means.  4. The provisions of this section do not require a carrier to:  (a) Ensure that covered services are available to an insured through telehealth at a particular originating site;  (b) Provide coverage for a service that is not a covered service or that is not provided by a covered provider of health care; or  (c) Enter into a contract with any provider of health care or cover any service if the carrier is not otherwise required by law to do so.  5. A plan subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after July 1, 2015, has the legal effect of including the coverage required by this section, and any provision of the plan or the renewal which is in conflict with this section is void.  6. As used in this section:  (a) "Distant site" has the meaning ascribed to it in NRS 629.515.  (b) "Originating site" has the meaning ascribed to it in NRS 629.515.  (c) "Provider of health care" has the meaning ascribed to it in NRS 439.820.  (d) "Telehealth" has the meaning ascribed to it in NRS 629.515.  (Added to NRS by 2015, 639)
NV Rev Stat § 689C.196 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.196 - Insurer prohibited from denying coverage solely because person was victim of domestic violence.

An insurer shall not deny a claim, refuse to issue a health benefit plan or cancel a health benefit plan 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 health benefit plan 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 § 689C.197 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.197 - Carrier prohibited from denying coverage because insured was intoxicated or under influence of controlled substance; exceptions.

  1. Except as otherwise provided in subsection 2, a carrier shall not:  (a) Deny a claim under a health benefit plan solely because the claim involves an injury sustained by an insured as a consequence of being intoxicated or under the influence of a controlled substance.  (b) Cancel participation under a health benefit plan solely because an insured has made a claim involving an injury sustained by the insured as a consequence of being intoxicated or under the influence of a controlled substance.  (c) Refuse participation under a health benefit plan to an eligible applicant solely because the applicant has made a claim involving an injury sustained by the applicant as a consequence of being intoxicated or under the influence of a controlled substance.  2. The provisions of subsection 1 do not prohibit a carrier from enforcing a provision included in a health benefit plan to:  (a) Deny a claim which involves an injury to which a contributing cause was the insured’s commission of or attempt to commit a felony;  (b) Cancel participation in a health benefit plan solely because of such a claim; or  (c) Refuse participation in a health benefit plan to an eligible applicant solely because of such a claim.  3. The provisions of this section do not apply to a carrier under a health benefit plan that provides coverage for long-term care or disability income.  (Added to NRS by 2005, 2344; A 2007, 85)
NV Rev Stat § 689C.198 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.198 - Insurer prohibited from requiring or using information concerning genetic testing; exceptions. [Effective through December 31, 2019.]

  1. Except as otherwise provided in subsection 2, a carrier serving small employers 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 a carrier serving small employers who issues a policy of 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 § 689C.198 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.198 - Insurer prohibited from requiring or using information concerning genetic testing; exceptions. [Effective January 1, 2020.]

  1. Except as otherwise provided in subsection 2, a carrier serving small employers 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 a carrier serving small employers who issues a policy of 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, 304, effective January 1, 2020)
NV Rev Stat § 689C.200 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.200 - When carrier is not required to offer coverage.

A carrier serving small employers is not required to accept applications from or offer coverage to:  1. A small employer if the employer is not physically located in the carrier’s geographic service area; or  2. An employee if the employee does not work or reside within the carrier’s geographic service area.  (Added to NRS by 1995, 982; A 1997, 2946; 2013, 3631)
NV Rev Stat § 689C.203 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.203 - Denial of application for coverage from small employer; regulations.

  1. A denial by a carrier of an application for coverage from a small employer must be in writing and must state the reason for the denial.  2. The Commissioner may adopt regulations that set forth standards to provide for the fair marketing and broad availability of health benefit plans to small employers in this state.  (Added to NRS by 1997, 2924)
NV Rev Stat § 689C.207 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.207 - Regulations concerning reissuance of health benefit plan.

The Commissioner may adopt regulations to require a carrier, as a condition of transacting insurance with small employers in this state after July 16, 1997, to reissue a health benefit plan to any small employer whose health benefit plan has been terminated or not renewed by the 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 small employers.  (Added to NRS by 1997, 2924)
NV Rev Stat § 689C.220 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.220 - Adjustment in rates to be applied uniformly. [Effective through December 31, 2019.]

A carrier serving small employers shall not charge adjustments in rates for claim experience, health status and duration of coverage to individual employees or dependents. Any such adjustment must be applied uniformly to the rates charged for all employees and dependents of a small employer.  (Added to NRS by 1995, 984)
NV Rev Stat § 689C.220 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.220 - Adjustment in rates to be applied uniformly. [Effective January 1, 2020.]

A carrier serving small employers shall not charge adjustments in rates for duration of coverage or any reason prohibited by NRS 689C.190 to individual employees or dependents. Any such adjustment must be applied uniformly to the rates charged for all employees and dependents of a small employer.  (Added to NRS by 1995, 984; A 2019, 305, effective January 1, 2020)
NV Rev Stat § 689C.265 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.265 - Carrier authorized to modify coverage for insurance product under certain circumstances.

A carrier may modify the health insurance coverage for a product offered to small employers pursuant to a group health plan if, for coverage that is available in that market other than through one or more bona fide associations, the modification is consistent with the provisions of this title and is effective on a uniform basis among such group health plans.  (Added to NRS by 1997, 2927)
NV Rev Stat § 689C.281 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.281 - Coverage for prescription drugs: Provision of notice and information regarding use of formulary.

  1. A carrier that offers or issues a health benefit plan which provides coverage for prescription drugs shall include with any summary, certificate or evidence of that coverage provided to an insured, notice of whether a formulary is used and, if so, of the opportunity to secure information regarding the formulary from the carrier pursuant to subsection 2. The notice required by this subsection must:  (a) Be in a language that is easily understood and in a format that is easy to understand;  (b) Include an explanation of what a formulary is; and  (c) If a formulary is used, include:  (1) An explanation of:  (I) How often the contents of the formulary are reviewed; and  (II) The procedure and criteria for determining which prescription drugs are included in and excluded from the formulary; and  (2) The telephone number of the carrier for making a request for information regarding the formulary pursuant to subsection 2.  2. If a carrier offers or issues a health benefit plan which provides coverage for prescription drugs and a formulary is used, the carrier shall:  (a) Provide to any insured or participating provider of health care, upon request:  (1) Information regarding whether a specific drug is included in the formulary.  (2) Access to the most current list of prescription drugs in the formulary, organized by major therapeutic category, with an indication of whether any listed drugs are preferred over other listed drugs. If more than one formulary is maintained, the carrier shall notify the requester that a choice of formulary lists is available.  (b) Notify each person who requests information regarding the formulary, that the inclusion of a drug in the formulary does not guarantee that a provider of health care will prescribe that drug for a particular medical condition.  (Added to NRS by 2001, 858)
NV Rev Stat § 689C.320 (2021)
2021 Nevada Revised Statutes|Chapter 689C - Health Insurance for Small Employers|NRS 689C.320 - Required notification when carrier discontinues transacting insurance in this State; restrictions on carrier that discontinues transacting insurance.

  1. A carrier that discontinues transacting insurance in this State or in a particular geographic service area of this State shall:  (a) Notify the Commissioner and the chief regulatory officer for insurance in each state in which the carrier is licensed to transact insurance at least 60 days before a notice of cancellation or nonrenewal is delivered or mailed to the affected small employers pursuant to paragraph (b).  (b) Notify the Commissioner and each small employer affected not less than 180 days before the expiration of any policy or contract of insurance under any health benefit plan issued to a small employer pursuant to this chapter.   2. A carrier that cancels any health benefit plan because it has discontinued transacting insurance in this State or in a particular geographic service area of this State:  (a) Shall discontinue the issuance and delivery for issuance of all health benefit plans pursuant to this chapter in this State and not renew coverage under any health benefit plan issued to a small employer; and  (b) May not issue any health benefit plans pursuant to this chapter in this State or in the particular geographic service area for 5 years after it gives notice to the Commissioner pursuant to paragraph (b) of subsection 1.  (Added to NRS by 1995, 986; A 1997, 2949; 2013, 3633)