All Roll Calls
Yes: 63 • No: 0
NevadaAB5283rd Regular Session (2025)HouseWALLET
AN ACT relating to insurance; requiring the Commissioner of Insurance to establish programs to inform providers of health care and insureds under health insurance policies of certain information relating to the payment of claims; revising provisions governing the payment of claims under policies of health insurance; establishing certain administrative penalties; requiring a health carrier to provide certain information to participating providers of health care and covered persons; requiring a health carrier to establish certain procedures for challenging the denial of a claim; and providing other matters properly relating thereto.
Sponsored By: Assembly Committee on Commerce and Labor
Signed by Governor
BDR 57-367
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Bill Overview
Analyzed Economic Effects
6 provisions identified: 6 benefits, 0 costs, 0 mixed.
Faster health claim payments and 10% interest
Beginning January 1, 2026, most private health plans must decide claims in 21 days if sent electronically, or 30 days if not. They must pay approved claims within the same 21/30‑day window and ask for any extra information within 20 working days. If payment is late, interest accrues at 10% per year starting 30 days after the due date until paid. The Commissioner can enforce these rules and fine noncompliant plans. These rules do not apply to Medicaid, CHIP, or the Public Employees’ Benefits Program, and some legal exceptions (NRS 439B.754) may apply.
HMO contracts must follow payment timelines
An HMO may not make or renew a provider contract unless it states the law’s claim‑payment schedule. Any HMO contract signed or renewed on or after January 1, 2026 without that language is treated as if it includes it. Older HMO payment schedule statutes are repealed, leaving this single standard in place.
Faster, clearer denial letters for patients
Insurers and health carriers must send a plain notice that explains your right to file a complaint and ask for an expedited review. If coverage is denied, they must send a written denial in 21 days (electronic), 30 days (other), or 10 working days if no claim was filed. The notice must list every reason, the criteria used and how it was applied, and how to challenge the decision, including Nevada’s external review process.
Public employee plans get same protections
If a public board runs a self‑insured health plan, it must follow the same insurance laws as licensed insurers. This gives public employees the same timelines, notices, and appeal rights. This applies beginning January 1, 2026.
Clear claim denial challenges for providers
Starting January 1, 2026, network carriers must give providers and covered people a yearly plain guide to how claims are paid and who to contact about denials. Carriers must run a clear, efficient process for providers to challenge denials and resolve them in a reasonable time. These duties do not apply to managed care services for Medicaid, CHIP, or the Public Employees’ Benefits Program.
Help for small and new medical practices
Beginning January 1, 2026, the Division of Insurance runs an information campaign on claim rights and rules. It also offers extra help to small or new practices to navigate billing and ensure insurer compliance. The goal is faster reimbursements and less paperwork for providers and clearer information for patients.
Sponsors & Cosponsors
Sponsor
Assembly Committee on Commerce and Labor
Affiliation unavailable
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
Senate vote • 5/31/2025
Final Passage - Senate (2nd Reprint)
Yes: 21 • No: 0
House vote • 5/28/2025
Final Passage - Assembly (2nd Reprint)
Yes: 42 • No: 0
Actions Timeline
Chapter 366.
6/6/2025legislatureApproved by the Governor.
6/6/2025legislatureEnrolled and delivered to Governor.
6/4/2025legislatureIn Assembly. To enrollment.
6/1/2025HouseRead third time. Passed. Title approved. Preamble adopted. (Yeas: 21, Nays: None.) To Assembly.
5/31/2025SenateRead second time.
5/30/2025SenatePlaced on Second Reading File.
5/30/2025SenateFrom committee: Do pass.
5/30/2025SenateRead first time. Referred to Committee on Commerce and Labor. To committee.
5/29/2025SenateIn Senate.
5/29/2025SenateTo Senate.
5/28/2025HouseRead third time. Passed, as amended. Title approved. Preamble adopted. (Yeas: 42, Nays: None.)
5/28/2025HouseFrom printer. To reengrossment. Reengrossed. Second reprint.
5/28/2025HouseRead third time. Amended. (Amend. No. 824.) To printer.
5/27/2025HousePlaced on General File.
5/27/2025HouseFrom committee: Amend, and do pass as amended.
5/27/2025HouseTo committee.
4/24/2025HouseFrom printer. To engrossment. Engrossed. First reprint.
4/24/2025HouseTo printer.
4/21/2025HouseRereferred to Committee on Ways and Means. Exemption effective.
4/21/2025HouseTaken from General File.
4/21/2025HouseRead second time. Amended. (Amend. No. 235.)
4/21/2025HousePlaced on Second Reading File.
4/21/2025HouseFrom committee: Amend, and do pass as amended.
4/21/2025HouseNotice of eligibility for exemption.
3/5/2025House
Bill Text
As Enrolled
As Introduced
Reprint 1
Reprint 2
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