Title 57

NRS 689A.0475 Acupuncture. If any policy of health insurance provides coverage for acupuncture performed by a physician, the insured or a person who is licensed pursuant to chapter 634A of NRS and performs acupuncture on the insured, as applicable, is entitled to reimbursement fo…

NRS 689A.048 Treatment by licensed psychologist. If any policy of health insurance provides coverage for treatment which is within the authorized scope of the practice of a qualified psychologist, the insured or a licensed psychologist who provides such treatment to the insured, …

NRS 689A.0483 Treatment by licensed marriage and family therapist or licensed clinical professional counselor. If any policy of health insurance provides coverage for treatment which is within the authorized scope of practice of a licensed marriage and family therapist or license…

NRS 689A.0485 Treatment by licensed associate in social work, social worker, master social worker, independent social worker or clinical social worker. If any policy of health insurance provides coverage for treatment which is within the authorized scope of the practice of a lice…

NRS 689A.0487 Treatment by licensed podiatrist. 1. If any policy of health insurance provides coverage for treatment which is within the authorized scope of practice of a qualified podiatrist, the insured or a podiatrist who is licensed pursuant to chapter 635 of NRS and who prov…

NRS 689A.049 Treatment by licensed chiropractic physician; restriction on policy limitations. 1. If any policy of health insurance provides coverage for treatment which is within the authorized scope of practice of a qualified chiropractic physician, the insured or a chiropractic…

NRS 689A.0493 Treatment by licensed clinical alcohol and drug counselor. If any policy of health insurance provides coverage for treatment which is within the authorized scope of practice of a licensed clinical alcohol and drug counselor, the insured or a clinical alcohol and dru…

NRS 689A.0495 Services provided by certain registered nurses. 1. If any policy of health insurance provides coverage for services which are within the authorized scope of practice of a registered nurse who is authorized pursuant to chapter 632 of NRS to perform additional acts in…

NRS 689A.0497 Provider of medical transportation. 1. Except as otherwise provided in subsection 3, every policy of health insurance amended, delivered or issued for delivery in this State after October 1, 1989, that provides coverage for medical transportation, must contain a pro…

NRS 689A.050 Entire contract; changes. There shall be a provision as follows: Entire Contract; Changes: This policy, including the endorsements and the attached papers, if any, constitutes the entire contract of insurance. No change in this policy shall be valid until approved by…

NRS 689A.060 Time limit on certain defenses. There shall be a provision as follows: Time Limit on Certain Defenses: 1. After 3 years from the date of issue of this policy no misstatements, except fraudulent misstatements, made by the applicant in the application for such policy s…

NRS 689A.070 Grace period. There shall be a provision as follows: Grace Period: A grace period of ..... (insert a number not less than “7” for weekly premium policies, “10” for monthly premium policies and “31” for all other policies) days will be granted for the payment of each …

NRS 689A.075 Cancellation and rescission of short-term limited duration medical plan. 1. A short-term limited duration medical plan shall not be cancelled by the carrier during the coverage period except for the following: (a) Nonpayment of premium; (b) Violation of published pol…

NRS 689A.080 Reinstatement. 1. There shall be a provision as follows: Reinstatement: If any renewal premium be not paid within the time granted the insured for payment, a subsequent acceptance of premium by the insurer or by any agent duly authorized by the insurer to accept such…

NRS 689A.090 Notice of claim. 1. There shall be a provision as follows: Notice of Claim: Written notice of claim must be given to the insurer within 20 days after the occurrence or commencement of any loss covered by the policy, or as soon thereafter as is reasonably possible. No…

NRS 689A.100 Claim forms: Required provision. There shall be a provision as follows: Claim Forms: The insurer, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished with…

NRS 689A.105 Claim forms: Uniform billing and claims forms. Every insurer under a health insurance contract and every state agency for its records shall accept from: 1. A hospital the Uniform Billing and Claims Forms established by the American Hospital Association in lieu of its…

NRS 689A.110 Claim forms: Proofs of loss. There shall be a provision as follows: Proofs of Loss: Written proof of loss must be furnished to the insurer at its office in case of claim for loss for which this policy provides any periodic payment contingent upon continuing loss with…

NRS 689A.120 Time of payment of claims. There shall be a provision as follows: Time of Payment of Claims: Indemnities payable under this policy for any loss, other than loss for which this policy provides any periodic payment, will be paid immediately upon receipt of due written …

NRS 689A.130 Payment of claims. 1. There shall be a provision as follows: Payment of Claims: Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the ti…

NRS 689A.135 Assignment of benefits by insured to provider of health care. 1. A person insured under a policy of health insurance may assign his or her right to benefits to the provider of health care who provided the services covered by the policy. The insurer shall pay all or t…

NRS 689A.140 Physical examination and autopsy. There shall be a provision as follows: Physical Examinations and Autopsy: The insurer at its own expense shall have the right and opportunity to examine the person of the insured when and as often as it may reasonably require during …

NRS 689A.150 Legal actions. There shall be a provision as follows: Legal Actions: No action at law or in equity shall be brought to recover on this policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this…

NRS 689A.160 Change of beneficiary. 1. There shall be a provision as follows: Change of Beneficiary: Unless the insured makes an irrevocable designation of beneficiary, the right to change of beneficiary is reserved to the insured and the consent of the beneficiary or beneficiari…

NRS 689A.170 Right to examine and return policy. 1. Except as to nonrenewable accident policies and individual credit health insurance policies, every individual health insurance policy shall contain a provision therein or in a separate rider attached thereto when delivered, stat…

NRS 689A.180 Optional provisions: Requirements; substitution of provisions; captions. Except as otherwise provided in NRS 689A.040, no such policy delivered or issued for delivery to any person in this State may contain provisions respecting the matters set forth in NRS 689A.190 …

NRS 689A.190 Extended disability benefit. Any health insurance policy may contain a provision for payment not exceeding $500 as an extended disability benefit upon the insured’s death from any cause, which benefit shall not be construed as life insurance. (Added to NRS by 1971, 1…

NRS 689A.200 Change of occupation. There may be a provision as follows: Change of Occupation: If the insured be injured or contracts sickness after having changed his or her occupation to one classified by the insurer as more hazardous than that stated in this policy or while doi…

NRS 689A.210 Misstatement of age. There may be a provision as follows: Misstatement of Age: If the age of the insured has been misstated, all amounts payable under this policy shall be such as the premium paid would have purchased at the correct age. (Added to NRS by 1971, 1759)

NRS 689A.220 Coordination of benefits: Same insurer. There may be a provision as follows: If an accident or sickness or accident and sickness policy or policies previously issued by the insurer to the insured be in force concurrently herewith, making the aggregate indemnity for .…

NRS 689A.230 Coordination of benefits: All coverages. 1. There may be a provision as follows: Coordination of Benefits: If, with respect to a person covered under this policy, benefits for allowable expense incurred during a claim determination period under this policy, together …

NRS 689A.240 Relation of earnings to insurance. 1. There may be a provision as follows: Relation of Earnings to Insurance: After the loss-of-time benefit of this policy has been payable for 90 days, such benefit will be adjusted, as provided below, if the total amount of unadjust…

NRS 689A.250 Unpaid premiums. There may be a provision as follows: Unpaid Premium: Upon the payment of a claim under this policy, any premium then due and unpaid or covered by any note or written order may be deducted therefrom. (Added to NRS by 1971, 1763)

NRS 689A.260 Conformity with state statutes. There may be a provision as follows: Conformity with State Statutes: Any provision of this policy which, on its effective date is in conflict with the statutes of the state in which the insured resides on such date is hereby amended to…

NRS 689A.270 Illegal occupation. There may be a provision as follows: Illegal Occupation: The insurer shall not be liable for any loss to which a contributing cause was the insured’s commission of or attempt to commit a felony or to which a contributing cause was the insured’s be…

NRS 689A.290 Renewability. Health insurance policies, other than accident insurance only policies, in which the insurer reserves the right to refuse renewal on an individual basis, shall provide in substance in a provision thereof or in an endorsement thereon or rider attached th…

NRS 689A.300 Order of certain provisions. The provisions which are the subject of NRS 689A.050 to 689A.290, inclusive, or any corresponding provisions which are used in lieu thereof in accordance with such sections shall be printed in the consecutive order of the provisions in su…

NRS 689A.310 Ownership of policy by person other than insured. The word “insured,” as used in this chapter, shall not be construed as preventing a person other than the insured with a proper insurable interest from making application for and owning a policy covering the insured o…

NRS 689A.320 Requirements of other jurisdictions. 1. Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this state, may contain any provision which is not less favorable to the insured or the beneficiary than the provisions of this ch…

NRS 689A.330 Policies issued for delivery in another state. If any policy is issued by a domestic insurer for delivery to a person residing in another state, and if the insurance commissioner or corresponding public officer of that other state has informed the Commissioner that t…

NRS 689A.340 Limitation on provisions not subject to chapter; effect of violation of chapter; conflict among provisions. 1. No policy provision which is not subject to this chapter shall make a policy, or any portion thereof, less favorable in any respect to the insured or the be…

NRS 689A.350 Age limit. If any such policy contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy will not be effective, and if such date falls within a period for which a premium is accepted by the insurer or if th…

NRS 689A.380 Definitions of terms used in policies. As used in any policy of health insurance delivered, issued for delivery or used in this state, unless otherwise provided in the policy or in an endorsement thereon or in a rider attached thereto: 1. “Accidental death” means dea…

NRS 689A.405 Policy covering prescription drugs: Provision of notice and information regarding use of formulary. 1. An insurer that offers or issues a policy of health insurance which provides coverage for prescription drugs shall include with any summary, certificate or evidence…

NRS 689A.410 Approval or denial of claims; payment of claims and interest; requests for additional information; award of costs and attorney’s fees; compliance with requirements; imposition of administrative fine or suspension or revocation of certificate of authority for failure …

NRS 689A.413 Insurer prohibited from denying coverage solely because claim involves act that constitutes domestic violence or applicant or insured was victim of domestic violence. An insurer shall not deny a claim, refuse to issue a policy of health insurance or cancel a policy o…