687B.010Scope687B.011Definitions687B.015“Binder” defined687B.018“Medicare supplemental policy” defined687B.021Signatures687B.030Waiver of payment of premium687B.040Insurable interest: Personal insurance687B.050Insurable interest: Exception when certain institutions designated beneficiary687B.060Insurable interest: Property687B.070Power to contract; purchase of insurance and annuities by minors687B.080Consent of insured to life or health insurance required; exceptions; notice of application for or request to increase coverage of insurance upon life of another required687B.090Alteration of application: Life and health insurance687B.100Application as evidence687B.110Representations in applications687B.113Control of cost of health care: Provisions encouraging use of certain services and facilities687B.117Control of cost of health care: Insurer required to use three or more practices that control cost in administering benefits687B.120Filing and approval of forms; exemption; appeal of disapproval or withdrawal of previous approval687B.122Readability of policies: Applicability of requirements687B.124Readability of policies: Flesch test; type size, style, arrangement and overall appearance; index or table of contents; scoring riders or other forms separately687B.126Readability of policies: Filing policy for Commissioner’s approval; exceptions to score requirements on Flesch test687B.128Readability of policies: Required approval by Commissioner in certain circumstances687B.130Grounds for disapproval or withdrawal of previous approval687B.140Standard provisions687B.145Provisions in policies of casualty insurance: Proration of recovery or benefits; uninsured and underinsured vehicle coverage; coverage for medical expenses; insurer not entitled to subrogation upon payment made because of underinsured vehicle coverage687B.147Exclusion, reduction or limitation of certain coverage in motor vehicle insurance policies allowed; conditions; form and contents of disclosure687B.150Requirement for making any portion of charter, bylaws or certain other documents of insurer part of contract687B.160Execution of policies687B.170Underwriters’ and combination policies687B.180Validity and construction of noncomplying forms687B.182Binders: Issuance; period of effectiveness687B.183Binders: Forms; required statement related to certain policies; delivery of copies687B.184Binders: Limits of coverage, effective date and premium for policy issued as replacement687B.185Binders: Prohibition of use to lower premiums687B.186Binders: Proof of insurance coverage; penalties for refusal to accept; exception687B.187Binders: Disapproval of insurer687B.190Delivery of policy covering motor vehicle: Vendor, mortgagee or pledgee required to deliver duplicate to vendee, mortgagor or pledgor; stamped statement regarding certain lack of coverage; exception687B.200Assignability: Life or health insurance policy687B.210Payment under life or health insurance policy or annuity contract discharges insurer from claims under policy or contract; exception687B.220Forms for proof of loss required to be furnished by insurer to insured claimant687B.225Requirements for contracts for payment of cost of medical or dental care which require prior authorization of care687B.240Administration of claims not waiver687B.250Payment not to constitute admission of liability or waiver of defenses687B.255Insurer required to pay claim with negotiable instrument687B.260Exemption of proceeds of certain policies687B.270Exemption of proceeds: Health insurance687B.280Exemption of proceeds: Group insurance687B.290Exemption of proceeds: Annuities; assignability of rights687B.300Retention of proceeds of policy by insurer687B.310Cancellations and nonrenewals; scope of application687B.320Policies other than industrial insurance policies: Grounds for midterm cancellation; notice to policyholder687B.325Industrial insurance policies: Grounds for midterm cancellation; notice to policyholder; provisions do not prohibit change in premium rate; terms of certain policies687B.330Anniversary cancellation687B.340Nonrenewals687B.345Annual review of coverage and benefits provided in policy687B.350Renewal with change in policy or coverage provisions without certain notice to insured prohibited; exceptions687B.351Requirements relating to purchase of Medicare supplemental policies by persons less than 65 years of age who are eligible for Medicare; limitation on premiums; open enrollment period687B.352Open enrollment period for Medicare supplemental policies required; prohibited acts; notice; treatment of Medicare supplemental policies purchased during open enrollment period for purposes relating to payment of commissions687B.355Insurer required to provide to policyholder information about claims paid on behalf of policyholder; fee; regulations687B.360Notice of cancellation or nonrenewal: Insurer required to provide to policyholder information about grounds upon request; notice ineffective unless contains information about right of policyholder to make such a request687B.370Certain notice ineffective unless contains information about applying for insurance through certain plans687B.380Immunity687B.383Refusal to issue, cancellation of, nonrenewal of or increase in premium or rate for certain policies solely on basis of breed of dog prohibited; exception; permissible inquiry by insurer regarding dog687B.385Refusal to issue, cancellation, nonrenewal or increase in premium of policy of motor vehicle insurance due to claims for which insured was not at fault, claims for which insurer made no payment or recovered entirety of payment or inquiries relating to a claim prohibited687B.390Cancellation or nonrenewal of automobile liability insurance policy on sole basis of age, residence, race, color, creed, national origin, ancestry, sexual orientation, gender identity or expression or occupation of insured prohibited687B.400Refusal to issue, reduction of liability limits of or increase in premium of automobile liability insurance policy on sole basis of reaching certain age prohibited; burden of proof; cost of medical examination; exception687B.402Compliance of certain insurers or organizations providing health coverage with certain federal laws regarding genetic information687B.404Adherence by insurer or organization providing health coverage to certain federal laws regarding parity in coverage for mental health and substance use disorder treatment; data request; submission of data or report to Commissioner; confidentiality of information; report by Commissioner; regulations687B.406Compliance of certain insurers or organizations providing health coverage with certain federal laws regarding dependent students687B.407Authority of nonprofit health benefit plan to use list of preferred prescription drugs developed by Nevada Health Authority as formulary and obtain such drugs through purchasing agreements negotiated by Authority; notification of Authority687B.408Insurer that issues certain policies of health insurance required to notify insured and physician before effective date of changes related to prescription drugs used for transplanted organs687B.409Payments to out-of-network providers for treatment of mental health or alcohol or substance use disorder; assignment of benefits687B.4095Policies of health insurance including prescription drug coverage: Restrictions on moving prescription drug from lower-cost tier to higher-cost tier687B.410Withdrawal of provision of insurance for particular class of insureds: Notice to Commissioner; administrative review upon request from insured687B.420Notice of proposed cancellation, nonrenewal or alteration of terms of certain policies, contracts or plans of insurance687B.430Regulations: Form, content and sale of policies which provide for payment of expenses not covered by Medicare; sale of more than one policy of health insurance to same person687B.440Umbrella policies: Requirement of signed disclosure statement from individual indicating whether policy includes uninsured or underinsured motorist coverage; form687B.450Required medical examination of applicant or insured: Duty of insurer to provide notification of potentially serious medical condition; exception; regulations687B.460Certificates of insurance for property or casualty insurance: Not part of, amend any term of or alter or expand coverage, exclusion or condition of contract or policy687B.470“Health benefit plan” defined687B.480Required manner of availability; required notice related to Silver State Health Insurance Exchange in certain circumstances; regulations687B.490Requirements for carrier offering coverage in small employer group or individual market: Demonstration of capacity to adequately deliver services by applying to Commissioner for issuance of network plan and submission of information; determination by Commissioner; certification of plan or specification of deficiency; annual summary; periodic determinations by Commissioner concerning availability and accessibility of services of approved plan687B.500Basis for premium rate; exceptions687B.600Definitions687B.602“Administrator” defined687B.605“Covered person” defined687B.606“Dental care” defined687B.607“Direct notification” defined687B.610“Evidence of coverage” defined687B.615“Health benefit plan” defined687B.620“Health care services” defined687B.625“Health carrier” defined687B.630“Intermediary” defined687B.635“Medically necessary” defined687B.640“Network” defined687B.645“Network plan” defined687B.650“Participating provider of health care” defined687B.655“Primary care physician” defined687B.658“Provider network contract” defined687B.660“Provider of health care” defined687B.664“Third party” defined687B.665“Utilization review” defined687B.670Requirements to offer or issue network plan687B.675Provision of information to Office for Consumer Health Assistance687B.680Health carrier required to establish mechanism for ongoing notification of participating providers of health care of services covered by network plan and for which provider is responsible687B.690Required provisions in contract between participating provider of health care and health carrier687B.692Provider network contract: Circumstances in which health carrier prohibited from denying request to enter into contract from a provider of health care employed or accepting employment with medical school; grounds for denial of request or termination of contract687B.693Access to services and contractual discounts of a provider of health care: Inapplicability of provisions687B.694Access to services and contractual discounts of a provider of health care: Requirements for granting access; termination; confidentiality687B.695Access to services and contractual discounts of a provider of health care: Obligations of third party that grants access to another third party687B.696Access to services and contractual discounts of a provider of health care: Information required to be provided to health carrier and providers of health care by third parties; update of information687B.697Access to services and contractual discounts of a provider of health care: Obligations of health carrier and third parties concerning remittance advice or explanation of payment; refusal of discount taken on such advice or explanation by provider of health care; correction of error in advice or explanation; requirements of third party for such access687B.700Contract required to provide requirement that participating provider of health care continue delivery of services if health carrier or intermediary insolvent or ceases operations for specified period; billing of covered person687B.710Certain provisions included in contract required to be construed in favor of covered person, survive termination of contract and supersede certain contrary agreements687B.720Contract required to provide for notice of insolvency or cessation of operations of health carrier or intermediary to participating provider of health care687B.723Claim for dental care: Health carrier or administrator of health benefit plan prohibited from denying claim for which prior authorization has been granted; exceptions687B.725Claim for dental care: Requirements and limitations related to recovery of overpayments687B.730Health carrier required to notify participating provider of health care of administrative policies and programs of carrier; health carrier required to provide participating provider of health care and covered person explanation of process for paying claims submitted by participating provider of health care; exemptions687B.740Inducement to provide less than medically necessary health care services prohibited687B.750Health carrier not to prohibit certain actions by participating provider of health care687B.760Health records; confidentiality687B.770Assignment or delegation of rights and responsibilities without prior written consent prohibited687B.780Health carrier required to ensure that participating providers of health care furnish covered services to all covered persons; exception687B.790Health carrier required to notify participating providers of health care of obligation to collect coinsurance, copayment or deductible or notify covered person of obligation for services not covered687B.795Health carrier required to demonstrate capacity to adequately deliver family planning services provided by pharmacists or pharmacies; notice to covered persons; regulations687B.800Retaliation for good faith reporting to state or federal authority prohibited687B.805Prohibited acts by health carrier relating to 340B Program; provisions do not prohibit certain entities from taking actions necessary to prevent duplicate discounts or rebates or ensure financial stability of Medicaid program687B.810Health carrier required to establish mechanism to allow participating provider of health care to determine whether a person is a covered person or within grace period for payment of premium687B.820Procedures for resolution of disputes; exemptions687B.830Contract for purposes of network plan prohibited from conflicting with network plan or law; notice of provisions and incorporated documents; notice of changes687B.840Health carrier required to inform participating provider of health care of status and inclusion on certain lists maintained by health carrier upon request or change in such status or inclusion687B.850Regulations687B.860Definitions687B.862“Attachment point” defined687B.864“Group health plan” defined687B.866“Health care services” defined687B.868“Multiple employer welfare arrangement” defined687B.870“Network” defined687B.872“Policy of provider stop-loss insurance” defined687B.874“Policy of stop-loss insurance” defined687B.876“Provider of health care” defined687B.878Reporting of premiums written in this State for policies of stop-loss insurance687B.880Exercise of reasonable diligence related to legitimacy and authority required before issuing policy of stop-loss insurance for group health plan687B.882Policy form for policy of stop-loss insurance for group health plan: Filing; approval; requirements687B.884Policy form for policy of provider stop-loss insurance: Filing; approval; requirements; accompanying certification687B.900Definitions687B.910“Health carrier” defined687B.920“Insured” defined687B.930“Medically necessary” defined687B.940“Prior authorization” defined687B.950“Provider of health care” defined687B.960Applicability687B.970Authorization for contracts or policies of insurance for payment of cost of medical or dental care to require prior authorization of care; filing with Commissioner of procedure for obtaining prior authorization; period for health carrier to respond to request for prior authorization; discrimination among persons licensed to provide covered care prohibited687B.980Prohibition against requiring prior authorization for certain services, care or goods687B.990Violations