Nevada Administrative Code

NAC 679B.460 Interveners: Petitions for leave to intervene. (NRS 679B.130, 679B.310, 679B.330) 1. A person who wishes to intervene in a hearing pursuant to subsection 4 of NRS 679B.330 must secure an order from the hearing officer granting leave to intervene before he or she will…

NAC 679B.470 Interveners: Filing of petitions. (NRS 679B.130, 679B.310, 679B.330) A petition to intervene and proof of service of copies thereof on all other parties of record must be filed not less than 2 days before commencement of the hearing. Thereafter, the petition must sta…

NAC 679B.480 Interveners: Decision on petition. (NRS 679B.130, 679B.310, 679B.330) 1. If a petition to intervene shows that the petitioner has a direct and immediate pecuniary interest in the subject of the proceeding or any part thereof and does not unduly broaden the issues, th…

NAC 679B.482 Petition for adoption, filing, amendment or repeal of regulation: Filing and contents. (NRS 679B.130) 1. A petition which requests the adoption, filing, amendment or repeal of a regulation of the Division must be filed with the Commissioner. 2. The petition must incl…

NAC 679B.484 Petition for adoption, filing, amendment or repeal of regulation: Prerequisites to consideration; notification of decision. (NRS 679B.130) 1. The Commissioner will not review a petition which requests the adoption, filing, amendment or repeal of a regulation unless t…

NAC 679B.486 Petition for declaratory order or advisory opinion: Filing and contents; limitation. (NRS 679B.130) 1. A petition which requests the Commissioner to issue a declaratory order or advisory opinion must be filed with the Commissioner. 2. The petition must include: (a) T…

NAC 679B.488 Petition for declaratory order or advisory opinion: Prerequisites to consideration; notice of order or opinion. (NRS 679B.130) 1. The Commissioner will not review a petition which requests him or her to issue a declaratory order or advisory opinion unless the petitio…

NAC 679B.490 Oral advisory opinion. (NRS 679B.130) The Commissioner will not issue an oral advisory opinion or respond over the telephone to a request for an advisory opinion. An oral response or a response given over the telephone by a member of the staff of the Division is not …

NAC 679B.501 Definitions. (NRS 679B.130, 680A.320) As used in NAC 679B.541 and 679B.551, unless the context otherwise requires: 1. “Health insurer” means any insurance company or nonprofit medical service corporation which: (a) Issues a policy of health insurance or evidence of c…

NAC 679B.541 Payment of less than fair market value for services or products: Filing requirements. (NRS 679B.130, 680A.320) Each health insurer which pays less than fair market value for services or products in a transaction which is subject to the provisions of paragraph (i) of …

NAC 679B.551 Payment of less than fair market value for services or products: Failure to comply with filing requirements. (NRS 679B.130, 680A.320) In addition to any other disciplinary action which may be taken by the Commissioner, the Commissioner will fine a health insurer whic…

NAC 679B.560 Definitions. (NRS 679B.130) As used in NAC 679B.560 to 679B.750, inclusive, unless the context otherwise requires, the words and terms defined in NAC 679B.565 to 679B.670, inclusive, have the meanings ascribed to them in those sections. (Added to NAC by Comm’r of Ins…

NAC 679B.565 “Adverse underwriting decision” defined. (NRS 679B.130) 1. “Adverse underwriting decision” means any of the following actions involving insurance transactions with individually underwritten insurance coverage: (a) A declination of insurance coverage. (b) A terminatio…

NAC 679B.570 “Affiliate” defined. (NRS 679B.130) “Affiliate” means a person who controls or is controlled by one or more intermediaries either directly or indirectly, alone or together with another person. (Added to NAC by Comm’r of Insurance, 10-4-88, eff. 1-1-89)

NAC 679B.575 “Applicant” defined. (NRS 679B.130) “Applicant” means any person who wishes to contract for individually underwritten insurance coverage. (Added to NAC by Comm’r of Insurance, 10-4-88, eff. 1-1-89)

NAC 679B.580 “Consumer report” defined. (NRS 679B.130) “Consumer report” means any communication of information bearing on a natural person’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics or mode of living which is us…

NAC 679B.585 “Consumer reporting agency” defined. (NRS 679B.130) “Consumer reporting agency” means any person who regularly engages for a monetary fee in the practice of assembling, preparing and furnishing consumer reports for others by obtaining information primarily from sourc…

NAC 679B.590 “Control” defined. (NRS 679B.130) “Control” means the direct or indirect ability to influence the management and policies of a person, whether through ownership of voting securities or a contract. The term does not include influence resulting from an official positio…

NAC 679B.595 “Declination of insurance coverage” defined. (NRS 679B.130) “Declination of insurance coverage” means a denial of requested insurance coverage, in whole or in part, by an insurance institution or agent. (Added to NAC by Comm’r of Insurance, 10-4-88, eff. 1-1-89)

NAC 679B.598 “Health insurance” defined. (NRS 679B.130) “Health insurance” includes the coverage provided by a prepaid limited health service organization. (Added to NAC by Comm’r of Insurance, eff. 2-3-97)

NAC 679B.600 “Institutional source” defined. (NRS 679B.130) “Institutional source” means any person or governmental entity that provides information about a natural person to an agent, insurance institution or insurance-support organization, other than: 1. An agent; 2. The natura…

NAC 679B.605 “Insurance institution” defined. (NRS 679B.130) “Insurance institution” means any person engaged in the business of insurance as governed by title 57 of NRS. The term does not include agents or insurance-support organizations. (Added to NAC by Comm’r of Insurance, 10…

NAC 679B.611 “Insurance-support organization” defined. (NRS 679B.130) “Insurance-support organization” means any person who regularly engages in the practice of assembling or collecting information about natural persons for the primary purpose of providing the information to an i…

NAC 679B.615 “Insurance transaction” defined. (NRS 679B.130) “Insurance transaction” means any transaction involving insurance primarily for personal, family or household needs or any group health policy that involves: 1. The determination of a natural person’s eligibility for in…

NAC 679B.621 “Investigative consumer report” defined. (NRS 679B.130) “Investigative consumer report” means a report in which information about a natural person’s character, general reputation, personal characteristics or mode of living is obtained through personal interviews with…

NAC 679B.625 “Medical care institution” defined. (NRS 679B.130) “Medical care institution” means any facility or institution licensed to provide health care services to natural persons. (Added to NAC by Comm’r of Insurance, 10-4-88, eff. 1-1-89)

NAC 679B.631 “Medical professional” defined. (NRS 679B.130) “Medical professional” means any person licensed or certified to provide health care services to natural persons. (Added to NAC by Comm’r of Insurance, 10-4-88, eff. 1-1-89)

NAC 679B.635 “Medical record information” defined. (NRS 679B.130) “Medical record information” means personal information which: 1. Relates to a natural person’s physical or mental condition, medical history or medical treatment; and 2. Is obtained from a medical professional, me…

NAC 679B.641 “Natural person” defined. (NRS 679B.130) “Natural person” means any natural person who: 1. In the case of property or casualty insurance, is a past, present or proposed named insured or certificate holder; 2. In the case of life, health or disability insurance, is a …

NAC 679B.650 “Personal information” defined. (NRS 679B.130) 1. “Personal information” means any identifiable piece of information gathered in connection with an insurance transaction from which judgments can be made about a natural person’s character, habits, avocations, finances…

NAC 679B.655 “Policyholder” defined. (NRS 679B.130) “Policyholder” means any person who in the case of: 1. Individual property or casualty insurance, is a present named insured; 2. Individual life, health or disability insurance, is a present policy owner; or 3. Group insurance w…

NAC 679B.660 “Pretext interview” defined. (NRS 679B.130) “Pretext interview” means an interview whereby a person, in an attempt to obtain information about a natural person: 1. Pretends to be someone he or she is not; 2. Pretends to represent a person he or she is not in fact rep…

NAC 679B.665 “Privileged information” defined. (NRS 679B.130) “Privileged information” means any identifiable piece of information that relates to and is collected in connection with or in reasonable anticipation of a claim for insurance benefits or a civil or criminal proceeding…

NAC 679B.670 “Termination of insurance coverage” defined. (NRS 679B.130) “Termination of insurance coverage” means a cancellation or nonrenewal of an insurance policy, in whole or in part, for any reason other than the failure to pay a premium as required by the policy. (Added to…

NAC 679B.675 Applicability. (NRS 679B.130) 1. Except as otherwise provided in this section and NAC 679B.800 to 679B.878, inclusive, NAC 679B.560 to 679B.750, inclusive, apply to insurance institutions, agents or insurance support organizations which: (a) In the case of life, heal…

NAC 679B.680 Use of pretext interviews. (NRS 679B.130) 1. Except as otherwise provided in subsection 2, no insurance institution, agent or insurance-support organization may use or authorize the use of pretext interviews to obtain information in connection with an insurance trans…

NAC 679B.685 Notice of practices for gathering information; retention and disclosure of certain information. (NRS 679B.130) 1. An insurance institution or agent shall provide a notice explaining its practices for gathering information to all applicants and policyholders in connec…

NAC 679B.690 Specification of questions for marketing or research. (NRS 679B.130) An insurance institution or agent shall specify which questions of those directed toward a natural person in connection with an insurance transaction are designed to obtain information solely for ma…

NAC 679B.695 Contents of form to authorize disclosure. (NRS 679B.130) No insurance institution, agent or insurance-support organization may use as its disclosure authorization form for use in connection with an insurance transaction a form or statement which authorizes the disclo…

NAC 679B.700 Preparation of investigative consumer report; personal interview. (NRS 679B.130) 1. No insurance institution, agent or insurance-support organization may prepare or request an investigative consumer report about a natural person in connection with an insurance transa…

NAC 679B.705 Access to recorded personal information. (NRS 679B.130) 1. If any natural person, after providing proper identification, submits a request in writing to an insurance institution, agent or insurance-support organization for access to recorded personal information abou…

NAC 679B.710 Correction, amendment or deletion of recorded personal information. (NRS 679B.130) 1. Within 30 business days after the postmark on a written request from a natural person to correct, amend or delete any recorded personal information about him or her within its posse…

NAC 679B.715 Notification of reasons for adverse underwriting decision; summary of rights. (NRS 679B.130) 1. Except as otherwise provided in subsection 4, if an adverse underwriting decision occurs, the insurance institution or agent responsible for the decision shall: (a) Provid…

NAC 679B.720 Seeking information concerning previous adverse underwriting decision. (NRS 679B.130) No insurance institution, agent or insurance-support organization may seek in connection with an insurance transaction, information concerning: 1. Any previous adverse underwriting …

NAC 679B.725 Basis for adverse underwriting decision. (NRS 679B.130) 1. Except as otherwise provided in subsection 2, no insurance institution or agent may base an adverse underwriting decision in whole or in part on: (a) A previous adverse underwriting decision; (b) Insurance co…

NAC 679B.730 Limitations upon and conditions of disclosure. (NRS 679B.130) An insurance institution, agent or insurance-support organization shall not disclose personal or privileged information about a natural person collected or received in connection with an insurance transact…

NAC 679B.735 Investigation by Commissioner. (NRS 679B.130) The Commissioner may examine and investigate the affairs of every: 1. Insurance institution or agent doing business in this State to determine whether the insurance institution or agent has been or is engaged in any condu…