Title 57

NRS 686A.2972 “Covered services” defined. “Covered services” means the professional work performed by a provider of vision care for which: 1. Reimbursement from a provider of vision insurance is provided to a provider of vision care by a vision benefit plan of an enrollee, or for…

NRS 686A.2973 “Enrollee” defined. “Enrollee” means any person participating in or entitled to receive covered services or covered materials through a vision benefit plan or vision benefit discount plan that is purchased by the person or provided to the person by another person or…

NRS 686A.2974 “Materials” defined. “Materials” means ophthalmic devices, including, without limitation, lenses, devices containing lenses, artificial intraocular lenses, ophthalmic frames and other lens mounting apparatuses, prisms, lens treatments and coatings, contact lenses, l…

NRS 686A.2975 “Provider of vision care” defined. “Provider of vision care” means a physician who provides vision care or an optometrist. (Added to NRS by 2025, 2049)

NRS 686A.2976 “Provider of vision insurance” defined. “Provider of vision insurance” means a person, including, without limitation, an insurer, who creates, promotes, sells, provides, operates, advertises or administers a vision benefit plan or vision benefit discount plan. (Adde…

NRS 686A.2977 “Vision benefit discount plan” defined. “Vision benefit discount plan” means a policy, contract, certificate or agreement offered by a provider of vision insurance to an enrollee that solely provides for a discount for covered services or covered materials. (Added t…

NRS 686A.2978 “Vision benefit plan” defined. 1. “Vision benefit plan” means a policy, contract, certificate or agreement offered by a provider of vision insurance to provide for, deliver payment for, arrange for the payment of, pay for or reimburse any of the costs of vision care…

NRS 686A.2979 “Vision care” defined. “Vision care” means routine ophthalmological evaluation of the eye, including refraction. (Added to NRS by 2025, 2049)

NRS 686A.298 Prohibited provisions in contract between provider of vision insurance and provider of vision care; provider of vision insurance required to provide list of reimbursement rates to provider of vision care before entering contract; provider of vision insurance required…

NRS 686A.2981 Prohibited acts by provider of vision insurance. A provider of vision insurance shall not directly or indirectly: 1. Control or attempt to control the professional judgment, manner of practice or practice of a provider of vision care. 2. Employ a provider of vision …

NRS 686A.2982 Providers of vision insurance prohibited from requiring providers of vision care to participate in other vision benefit plans or vision benefit discount plans of provider of vision insurance. A provider of vision insurance that offers more than one vision benefit pl…

NRS 686A.2983 Requirements deemed to be included in vision benefit plans, vision benefit discount plans and contracts between provider of vision insurance and provider of vision care. A vision benefit plan, a vision benefit discount plan or a contract between a provider of vision…

NRS 686A.300 Delay in payment of claim for damages to motor vehicle after receipt of statement of charges prohibited; settling claim without providing for repair of vehicle permitted; exception. 1. An insurer who issues insurance covering damage to a motor vehicle shall not delay…

NRS 686A.310 Unfair practices in settling claims; liability of insurer for damages. 1. Engaging in any of the following activities is considered to be an unfair practice: (a) Misrepresenting to insureds or claimants pertinent facts or insurance policy provisions relating to any c…

NRS 686A.313 Required coordination by multiple insurers for certain dental claims; denial of claim prohibited; regulations. 1. The following provisions apply to a claim for payment submitted for services provided by an oral and maxillofacial surgeon which may be covered, in whole…

NRS 686A.315 Statements required with certain billing and claim forms submitted to insurers; failure to provide statements not defense in prosecution for insurance fraud. 1. If a hospital submits to an insurer the form prescribed by the Director of the Nevada Health Authority pur…

NRS 686A.325 Settlement of third-party liability claims: Written notice of payment to claimant required; effect of failure to serve notice. 1. In any third-party liability claim, an insurer shall not issue a check or draft or otherwise make payment of $5,000 or more in settlement…

NRS 686A.330 Definitions. As used in NRS 686A.330 to 686A.520, inclusive, unless the context otherwise requires: 1. “Agreement” means a contract between a person and an insured or prospective insured under which the person agrees to pay a premium in advance on behalf of the insur…

NRS 686A.335 Applicability of chapter 696B of NRS. 1. A company is subject to the provisions of chapter 696B of NRS. 2. For the purposes of chapter 696B of NRS, a company shall be deemed to be an insurer. (Added to NRS by 1995, 1621)

NRS 686A.340 Engaging in business of company without license prohibited; exception. Except as provided in NRS 686A.350, a person shall not engage in the business of a company or hold himself or herself out as a company without first having received a license from the Commissioner…

NRS 686A.350 Exemptions from requirement of licensing. 1. A license to engage in the business of a company is not required of any: (a) State or federally chartered building association, savings and loan association or savings bank. (b) State or federally chartered bank. (c) State…

NRS 686A.360 Application for license: Form; fees; bond; required documents; provision of material changes to Commissioner. 1. An application for a license to engage in the business of a company must be filed with the Commissioner on a form prescribed by the Commissioner and must …

NRS 686A.370 True name and fictitious name of applicant or licensee; grounds for disapproval of name. 1. An unincorporated licensee or unincorporated applicant for a license who desires the issuance of a license under a fictitious name must file with the Commissioner a certified …

NRS 686A.380 Renewal of license. 1. A company must renew its license on or before March 1 of each year. An application for renewal must be submitted on a form prescribed by the Commissioner and must be accompanied by: (a) A financial statement for the preceding year; and (b) A fe…

NRS 686A.385 Schedule of rates and charges: Required to be filed with Commissioner for approval; filing of changes; inclusion in schedule required for imposition. 1. A company shall, immediately after it has been issued a license, file with the Commissioner a schedule of rates an…

NRS 686A.390 Approval of forms. 1. Before using a form for an agreement or notice required by this chapter, a company must submit the proposed form to the Commissioner for approval. If the Commissioner does not disapprove a form within 60 days after it is submitted, the form shal…

NRS 686A.400 Records: Maintenance; form of preservation; open to Commissioner. 1. A company shall maintain records of each transaction for 3 years after making the final entry with respect to the transaction. The records may be preserved in photographic form, on microfilm or micr…

NRS 686A.410 Examination of company by Commissioner. The Commissioner may conduct an examination of a company at any time in accordance with NRS 679B.250 to 679B.287, inclusive. The expense of the examination must be borne by the company in accordance with NRS 679B.290 as if the …

NRS 686A.420 Contents of agreement. 1. An agreement executed in this state must be dated and signed by the insured. The printed portion of the agreement must be in not less than 8-point type. The agreement must include: (a) The name and the address and telephone number of the bus…

NRS 686A.430 Furnishing of completed copy of agreement to insured. The agent, broker or other person preparing an agreement shall furnish a completed copy of the agreement to the insured immediately after the insured signs the agreement. (Added to NRS by 1985, 1156)

NRS 686A.440 Interest; service charge; prepayment. 1. A company shall not charge or collect a charge for interest which is not permitted by this section. 2. Interest must be computed on the balance due, after subtracting the down payment, from the effective date of the insurance …

NRS 686A.450 Permissible charges: Late payment; returned check; collection costs or attorney’s fees. 1. A company shall not impose or collect a fee or charge which is not authorized by this section. 2. An agreement may provide for a charge for any late payment of an installment o…

NRS 686A.460 Cancellation of insurance policy listed in agreement containing power of attorney enabling cancellation by company. 1. When an agreement contains a power of attorney enabling the company, in the name of the insured, to cancel any insurance policy listed in the agreem…

NRS 686A.470 Return of unearned premium and commission. 1. When an insurance policy is cancelled pursuant to NRS 686A.460, the insurer shall return the unearned premium to the company for credit to the account of the insured. The premium must be mailed to the company: (a) Within …

NRS 686A.480 Prohibited payments: Membership in motor club; policy of insurance covering accidental death or dismemberment. An agreement must not include any payment for: 1. Membership in a motor club, as that term is defined in NRS 696A.050; or 2. A policy of insurance covering …

NRS 686A.490 No recourse against agent based on insured’s default in payments; limitation on inducements; prohibited acts by company, agent or broker related to submission of agreement. 1. No agreement may contain a provision allowing a company recourse against the agent who subm…

NRS 686A.500 Disclosure of financial interest required; agent or broker who submits or performs services in connection with agreement prohibited from receiving compensation. 1. Any licensed resident or nonresident agent or broker who has any financial interest in a company, other…

NRS 686A.510 Penalties. 1. A person who violates the provisions of NRS 686A.340 shall be punished by a fine of not more than $200 per day or $500 per agreement per day for every day the violation continues, whichever is greater. 2. A person who violates any other provision of NRS…

NRS 686A.520 Applicability of other provisions. 1. The provisions of NRS 683A.341, 683A.451, 683A.461 and 686A.010 to 686A.310, inclusive, apply to companies. 2. For the purposes of subsection 1, unless the context requires that a section apply only to insurers, any reference in …

NRS 686A.600 Definitions. As used in NRS 686A.600 to 686A.730, inclusive, unless the context otherwise requires, the words and terms defined in NRS 686A.610 to 686A.660, inclusive, have the meanings ascribed to them in those sections. (Added to NRS by 2003, 2801; A 2011, 3368)

NRS 686A.610 “Adverse action” defined. “Adverse action” means a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with any po…

NRS 686A.620 “Affiliate” defined. “Affiliate” means any company that controls, is controlled by or is under common control with another company. (Added to NRS by 2003, 2802)

NRS 686A.630 “Consumer credit report” defined. “Consumer credit report” means any written, oral or other communication of information by a consumer reporting agency bearing on the credit worthiness, credit standing or credit capacity of an applicant or policyholder, and which is …

NRS 686A.640 “Consumer reporting agency” defined. “Consumer reporting agency” means any person which, for monetary fees, dues or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or othe…

NRS 686A.650 “Credit information” defined. “Credit information” means any information that is related to credit and derived from a consumer credit report, found on a consumer credit report or provided on an application for a policy. The term does not include information that is n…

NRS 686A.660 “Insurance score” defined. “Insurance score” means a number or rating that is derived from an algorithm, computer application, model or other process that is based in whole or in part on credit information for the purposes of predicting the future losses or exposure …