Title 57

NRS 695A.195 Society prohibited from denying coverage solely because claim involves act that constitutes domestic violence or applicant or insured was victim of domestic violence. A society shall not deny a claim, refuse to issue a benefit contract or cancel a benefit contract so…

NRS 695A.197 Society prohibited from denying coverage solely because applicant or insured was intoxicated or under the influence of controlled substance; exceptions. 1. Except as otherwise provided in subsection 2, a society that provides health benefits shall not: (a) Deny a cla…

NRS 695A.198 Society prohibited from discriminating against person with respect to participation or coverage on basis of gender identity or expression. A society that issues a benefit contract shall not discriminate against any person with respect to participation or coverage und…

NRS 695A.200 Nonforfeiture benefits, cash surrender values, certificate loans and other options. 1. A society may grant paid-up nonforfeiture benefits, cash surrender values, certificate loans and such other options as its laws may permit. 2. In the case of certificates for which…

NRS 695A.210 Beneficiaries; funeral benefits. 1. The owner of a benefit contract has the right at all times to change any beneficiary in accordance with the laws or rules of the society, unless the owner waives that right by requesting in writing that the owner’s designation of a…

NRS 695A.220 Benefits not liable to attachment, garnishment or other process. No money or other benefit, charity, relief or aid to be paid, provided or rendered by any society is liable to attachment, garnishment or other process, or to be seized, taken, appropriated or applied b…

NRS 695A.230 Terms and conditions of benefit contracts. 1. Every society authorized to do business in this state shall issue to each owner of a benefit contract a certificate specifying the amount of benefits provided thereby. The certificate, together with any riders or endorsem…

NRS 695A.232 Society required to offer and issue plan regardless of health status of persons; prohibited acts. 1. A society shall offer and issue a health benefit plan to any person regardless of the health status of the person or any dependent of the person. Such health status i…

NRS 695A.235 Offering policy of health insurance for purposes of establishing health savings account. A society may, subject to regulation by the Commissioner, offer a policy of health insurance that has a high deductible and is in compliance with 26 U.S.C. § 223 for the purposes…

NRS 695A.240 Approval and contents of certificates. 1. No certificate may be delivered or issued for delivery in this state unless a copy of the form of the certificate has been filed with and approved by the Commissioner in conformity with the requirements of NRS 687B.120. 2. Th…

NRS 695A.255 Benefit contract covering prescription drugs: Provision of notice and information regarding use of formulary. 1. A society that offers or issues a benefit contract which provides coverage for prescription drugs shall include with any certificate for such a contract p…

NRS 695A.256 Benefit contract covering prescription drugs: Submission to step therapy protocol for drug to treat psychiatric condition prohibited in certain circumstances. 1. A benefit contract which provides coverage for prescription drugs must not require an insured to submit t…

NRS 695A.257 Benefit contract covering prescription drugs: Required actions by society related to acquisition of prescription drugs for certain insureds residing in area for which emergency or disaster has been declared. 1. If the Governor or the Legislature proclaims the existen…

NRS 695A.258 Benefit contract covering prescription drug for treatment of medical condition that is part of step therapy protocol: Use of certain guidelines required; establishment of process to request exemption from step therapy protocol required; granting of request; applicabi…

NRS 695A.259 Benefit contract covering prescription drug for treatment of cancer or cancer symptom that is part of step therapy protocol: Society required to allow insured or attending practitioner to apply for exemption from step therapy protocol in certain circumstances; proced…

NRS 695A.261 Benefit contract covering anatomical gifts, organ transplants or treatments or services related to organ transplants: Prohibited acts by society if insured is person with disability. 1. A society that offers or issues a benefit contract that includes coverage for ana…

NRS 695A.263 Coverage for dental service provided by qualified dental hygienist required in certain circumstances. 1. A society that offers or issues a benefit contract which includes coverage for a dental service that a qualified dental hygienist is authorized to provide without…

NRS 695A.265 Coverage for services provided through telehealth required to same extent as though provided in person or by other means; reimbursement for certain services provided through telehealth required in same amount as though provided in person or by other means; prohibited…

NRS 695A.270 Authority to prohibit in society’s laws waiver of provisions of society’s laws. The laws of the society may provide that no subordinate body or any of its subordinate officers or members may waive any of the provisions of the laws of the society. Such a provision is …

NRS 695A.280 Reinsurance. 1. Except as otherwise provided in subsection 3, a domestic society may, by a reinsurance agreement, cede any individual risk or risks in whole or in part to an insurer, other than another fraternal benefit society, authorized to provide reinsurance in t…

NRS 695A.300 Foreign or alien society: License required to transact business; required information. 1. A foreign or alien society shall not transact business in this state without a license issued by the Commissioner. 2. A foreign or alien society may be licensed to transact busi…

NRS 695A.310 Injunction against, liquidation of or appointment of receiver for domestic society. 1. When the Commissioner upon investigation finds that a domestic society: (a) Has exceeded its powers; (b) Has failed to comply with any provision of this chapter; (c) Is not fulfill…

NRS 695A.320 Suspension, revocation or refusal of license of foreign or alien society. 1. When the Commissioner upon investigation finds that a foreign or alien society transacting or applying to transact business in this state: (a) Has exceeded its powers; (b) Has failed to comp…

NRS 695A.330 Licensing of insurance agents of society; persons exempt from licensing. 1. Every insurance agent of a society must be licensed pursuant to chapter 683A of NRS and any regulations adopted by the Commissioner which apply to health and life insurance agents. 2. No writ…

NRS 695A.400 Service of process on society. 1. Every society authorized to do business in this state shall appoint in writing the Commissioner as attorney-in-fact upon whom all lawful process in any action or proceeding against it must be served, and shall agree in the writing th…

NRS 695A.410 Injunctions against societies. No application or petition for injunction against any domestic, foreign or alien society, or any of its lodges, may be recognized in any court of this state unless made by the Attorney General upon request of the Commissioner. (Added to…

NRS 695A.420 Judicial review of Commissioner’s findings and decisions. All decisions and findings of the Commissioner made under the provisions of this chapter are subject to review by proper proceedings in any court of competent jurisdiction in this state. (Added to NRS by 1971,…

NRS 695A.430 Assets, funds and accounts of society. 1. All assets must be held, invested and disbursed for the use and benefit of the society and no member or beneficiary may have or acquire individual rights therein or become entitled to any apportionment or the surrender of any…

NRS 695A.440 Investments. 1. A society shall invest its money only in such investments as are authorized by the laws of this state for the investment of assets of life insurers and subject to the limitations thereon. 2. Any foreign or alien society permitted or seeking to do busi…

NRS 695A.450 Annual statement of financial condition, transactions and affairs: Filing; fee; contents; provision to members; valuation of certificates. 1. Every society transacting business in this state shall annually, on or before the first day of March, unless for cause shown …

NRS 695A.460 Annual statement of financial condition, transactions and affairs: Penalties for failure to file properly. If a society fails to file the annual statement in the form and within the time provided by NRS 695A.450, it shall pay to the Commissioner $100 for each day tha…

NRS 695A.475 Liability of directors, officers, employees, members and volunteers; indemnification and reimbursement of directors, officers, employees and agents. 1. The officers and members of the supreme governing body or any subordinate body of a society are not personally liab…

NRS 695A.490 Standards of valuation for certificates; excess reserves. 1. The minimum standards of valuation for certificates issued before July 1, 1964, are those provided by the law applicable immediately before July 1, 1963, but not lower than the standards used in the calcula…

NRS 695A.500 Examination of societies transacting or applying to transact business in State. The Commissioner, or any person the Commissioner may appoint, may examine any domestic, foreign or alien society which is transacting business or applying for admission to transact busine…

NRS 695A.530 Applicability of provisions relating to trade practices and frauds. A society authorized to do business in this state and its agents are subject to the provisions of chapter 686A of NRS relating to trade practices and frauds, except that nothing in that chapter appli…

NRS 695A.550 Exemption of societies from certain taxes. Every society organized or licensed under this chapter is hereby declared to be a charitable and benevolent institution, and is exempt from every state, county, district, municipal and school tax other than the commerce tax …

NRS 695A.555 Nonexemption of societies from certain fees. Societies are not exempt from the provisions of NRS 679B.700. If a society is an admitted health insurer, as that term is defined in NRS 449.450, it is not exempt from the fees imposed pursuant to NRS 449.465. (Added to NR…

NRS 695A.560 Exemption of societies from other insurance laws; exceptions. Except as otherwise provided in this chapter or by specific statute, societies are governed by this chapter and are exempt from all other provisions of the insurance laws of this state. (Added to NRS by 19…

NRS 695A.570 Applicability of chapter; effect of exemption. 1. Nothing contained in this chapter shall be construed to affect or apply to: (a) Grand or subordinate lodges of societies, orders or associations now doing business in this state which provide benefits exclusively thro…

NRS 695A.580 Penalties. 1. Any person who makes a false or fraudulent statement in or relating to an application for membership or for the purpose of obtaining money from or a benefit in any society is guilty of a gross misdemeanor. 2. Any person who solicits membership for, or i…