# Nevada AB52: 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. Nevada AB52, 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., is a 83rd Regular Session (2025) House bill sponsored by Assembly Committee on Commerce and Labor; status signed, last action 2025-06-06 (Chapter 366.); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/NV-AB52-83rd2025 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Nevada AB52 - State: Nevada - Session: 83rd Regular Session (2025) - Title: 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. - Status: signed - Chamber: House - Introduced: 2024-11-19 - Last action: 2025-06-06, Chapter 366. - Sponsor: Assembly Committee on Commerce and Labor - Cosponsors: 0 - Subjects: BDR 57-367 - Touches household money: yes - Roll calls: 2 (63 yes, 0 no in all) - Economic provisions PRIA read: 14 ## Summary No summary available. ## Bill overview: provisions PRIA read - 10% interest on late health claims: benefit, medium. Insurers, carriers, and administrators must add interest if they pay an approved claim late. The rate is 10% per year. Interest runs from the legal due date for payment until the day you are paid. Limited exceptions apply for events beyond the payer’s control. - Clear denial and appeal notices for plans: benefit, medium. Your insurer must send clear, timely denial notices. The notice must list all reasons and facts, the policy rules used, and how to challenge or file a complaint. Timing is 21 days if information was electronic, 30 days if not, or 10 working days if no claim was received. Carriers must also give you… - Faster claim decisions on private plans: benefit, medium. The law sets firm claim timelines for most private health plans. Carriers must decide and pay electronic claims within 21 days, or 30 days if not electronic. If they need more information, they must ask within 20 working days and then decide within 21 or 30 days after they get it. Plans cannot deny… - Faster MCO payments and stronger remedies: benefit, medium. Beginning January 1, 2026, managed care plans must decide and pay electronic claims in 21 days, or 30 days if not. If more information is needed, they must ask within 20 working days and then decide within 21 or 30 days after they get it. Late approved payments owe 10% yearly interest, and interest… - Faster payments and protections in dental plans: benefit, medium. Dental plans must decide and pay electronic claims in 21 days, or 30 days if not electronic. Late approved payments owe 10% yearly interest from the due date. Dental plans cannot deny without a good reason, ask for duplicate paperwork to delay, or pay only part of a fully payable claim. Regulators… - Quicker payments by medical service plans: benefit, medium. Medical service corporations must decide and pay electronic claims in 21 days, or 30 days if not. If they pay late, they owe 10% yearly interest. They cannot deny without a good reason, ask for duplicate paperwork to delay, or pay only part of a fully payable claim. Regulators can require proof of… - Stronger payment rules for fraternal insurers: benefit, medium. Fraternal insurers that issue health certificates must decide and pay electronic claims in 21 days, or 30 days if not. Late approved payments owe 10% yearly interest from the due date. They cannot deny without a good reason, ask for duplicate paperwork without cause, or pay only part of a fully pay… - Provider network transparency and dispute rights: benefit, medium. Health carriers with networks must give providers and covered people a yearly, plain-English explanation of how claims are paid and who to contact about denials. Carriers must have a fast process for providers to challenge denied claims and resolve them in a reasonable time. Starting January 1, 202… - Administrators: yearly reports and penalties: benefit, medium. Third‑party administrators must file a report by February 1 each year with counts of late claims and the total interest paid. The Commissioner can require proof of on‑time performance (95% by count or 90% by dollars), fine violators, and suspend or revoke registrations after repeat findings. - Insurers: yearly reports and penalties: benefit, medium. Insurers must prove timely payments when asked, such as paying 95% of approved claims on time or 90% of dollars on time. They must also file a February 1 annual report showing late‑claim counts and total interest paid. The Commissioner can fine violators and suspend or revoke licenses after repeat… - State help for small medical practices: benefit, low. The Division of Insurance runs a public campaign and a help program for small or new medical practices. It gives guidance on reimbursement, claim timelines, and how to hold insurers to the law. This program provides support and information; it does not create new payments. - Medicaid/PEBP carve‑outs and PEBP rules: cost, medium. Claims under Medicaid, CHIP, and the Public Employees’ Benefits Program are excluded from these new timing and 10% interest rules. Beginning January 1, 2026, managed care plans serving Medicaid or CHIP under state contracts, and plans serving PEBP members, are exempt from the listed sections while… - Transition dates and repeals for 2026: mixed, low. The new rules apply to claims sent on or after January 1, 2026. Contracts or policies issued before that date keep their terms until renewal; renewals must follow the new rules. Two statutes are repealed on January 1, 2026: NRS 695C.128 and NRS 695C.185. - New insurance rules start Jan 2026: mixed, low. The law takes effect January 1, 2026. Most claim, notice, payment, and appeal rules start on that date. Existing contracts and claims follow the law’s transition rules. Provider contracts signed or renewed on or after January 1, 2026 must match the required payment timelines, even if the contract i… ## Sponsors and cosponsors - Sponsor: Assembly Committee on Commerce and Labor ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-05-31 | Senate | Final Passage - Senate (2nd Reprint) | pass | 21 | 0 | | | 2025-05-28 | House | Final Passage - Assembly (2nd Reprint) | pass | 42 | 0 | | ## Actions (28) - 2025-06-06: Chapter 366. (legislature) - 2025-06-06: Approved by the Governor. (legislature) - 2025-06-04: Enrolled and delivered to Governor. (legislature) - 2025-06-01: In Assembly. To enrollment. (House) - 2025-05-31: Read third time. Passed. Title approved. Preamble adopted. (Yeas: 21, Nays: None.) To Assembly. (Senate) - 2025-05-30: Read second time. (Senate) - 2025-05-30: Placed on Second Reading File. (Senate) - 2025-05-30: From committee: Do pass. (Senate) - 2025-05-29: Read first time. Referred to Committee on Commerce and Labor. To committee. (Senate) - 2025-05-29: In Senate. (Senate) - 2025-05-28: To Senate. (House) - 2025-05-28: Read third time. Passed, as amended. Title approved. Preamble adopted. (Yeas: 42, Nays: None.) (House) - 2025-05-28: From printer. To reengrossment. Reengrossed. Second reprint. (House) - 2025-05-27: Read third time. Amended. (Amend. No. 824.) To printer. (House) - 2025-05-27: Placed on General File. (House) - 2025-05-27: From committee: Amend, and do pass as amended. (House) - 2025-04-24: To committee. (House) - 2025-04-24: From printer. To engrossment. Engrossed. First reprint. (House) - 2025-04-21: To printer. (House) - 2025-04-21: Rereferred to Committee on Ways and Means. Exemption effective. (House) - 2025-04-21: Taken from General File. (House) - 2025-04-21: Read second time. Amended. (Amend. No. 235.) (House) - 2025-04-21: Placed on Second Reading File. (House) - 2025-04-21: From committee: Amend, and do pass as amended. (House) - 2025-03-05: Notice of eligibility for exemption. (House) - 2025-02-04: Read first time. To committee. (House) - 2024-11-22: From printer. (House) - 2024-11-19: Prefiled. Referred to Committee on Commerce and Labor. To printer. (House) ## Bill text - As Enrolled: [PDF](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB52_EN.pdf) - As Introduced: [PDF](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB52.pdf) - Reprint 1: [PDF](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB52_R1.pdf) - Reprint 2: [PDF](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB52_R2.pdf) ## Related bills - SB217: AN ACT relating to health care; prohibiting a governmental entity from substantially burdening certain activity relating to assisted reproduction under certain… (vetoed) - AB499: AN ACT relating to elections; requiring, with certain exceptions, a registered voter show photo identification to vote in person; requiring the Department of M… (vetoed) - AB397: AN ACT relating to higher education; revising provisions governing certain waivers of fees provided by the Board of Regents of the University of Nevada; revisi… (vetoed) - AB259: AN ACT relating to health care; prohibiting certain actions related to pricing and reimbursement for certain drugs; creating a cause of action for violating su… (vetoed) - AB188: AN ACT relating to the Public Employees' Benefits Program; requiring the Board of the Public Employees' Benefits Program to report certain information relating… (vetoed) - SB502: AN ACT relating to projects of capital improvement; authorizing certain expenditures for certain projects of the Executive and Legislative Departments of the S… (signed) ## Sources - [As Enrolled (PDF)](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB52_EN.pdf) - [As Introduced (PDF)](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB52.pdf) - [Reprint 1 (PDF)](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB52_R1.pdf) - [Reprint 2 (PDF)](https://www.leg.state.nv.us/Session/83rd2025/Bills/AB/AB52_R2.pdf) ## Related - [SB217: AN ACT relating to health care; prohibiting a governmental entity from substant…](https://policyrisk.com/state-bill/NV-SB217-83rd2025) - [AB499: AN ACT relating to elections; requiring, with certain exceptions, a registered…](https://policyrisk.com/state-bill/NV-AB499-83rd2025) - [AB397: AN ACT relating to higher education; revising provisions governing certain waiv…](https://policyrisk.com/state-bill/NV-AB397-83rd2025) - [AB259: AN ACT relating to health care; prohibiting certain actions related to pricing…](https://policyrisk.com/state-bill/NV-AB259-83rd2025) - [AB188: AN ACT relating to the Public Employees' Benefits Program; requiring the Board…](https://policyrisk.com/state-bill/NV-AB188-83rd2025) - [SB502: AN ACT relating to projects of capital improvement; authorizing certain expendi…](https://policyrisk.com/state-bill/NV-SB502-83rd2025) - [Nevada bills](https://policyrisk.com/states/nevada/bills) - [Nevada state hub](https://policyrisk.com/states/nevada) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/NV-AB52-83rd2025 (as of 2026-11-01).