Nevada 2019 Regular Session Status: Enacted

SB 481 — Revises provisions relating to health insurance. (BDR 57-788)

Last action — Chapter 250.

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  1. ✓
    Introduced
  2. ✓
    In Committee
  3. ✓
    Passed Senate
  4. ✓
    Passed Assembly
  5. ✓
    To Executive
  6. 6
    Enacted

This bill has been enacted into law. Introduced March 25, 2019. Enacted.

Prognosis

Advancing 50% · moderate confidence

Where this bill stands today.

Odds of enactment

High

How often bills like it became law.

  • Enacted

    Current position in the legislative process.

  • 1 sponsor

    1 primary, 0 co-sponsors signed on.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Summary

AN ACT relating to health insurance; establishing requirements for obtaining a certificate of authority for self-funded multiple employer welfare arrangements; establishing requirements for short-term limited duration medical plan cancellation and rescission; allowing certain consumers to purchase individual health insurance policies outside the rating area where they reside; revising provisions relating to health benefit plans that are not purchased on the Silver State Health Insurance Exchange; and providing other matters properly relating thereto.

Bill Text

What changed in the latest version

373 added · 384 removed

373 line(s) added, 384 removed.

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(Reprinted with amendments adopted on April 22, 2019) FIRST REPRINT S.B.
* Senate Bill No.
481 SENATE B ILLN O.
481–Committee on Health and Human Services CHAPTER..........
481–COMMITTEE ON H EALTH AND H UMAN SERVICES M ARCH 25, 2019 ____________ Referred to Committee on Commerce and Labor SUMMARY—Revises provisions relating to health insurance.
(BDR 57-788) FISCAL NOTE:
EffEffect on the State:
Yes.May have Fiscal Impact.
~ EXPLANATION – Matter in bolded italics is new;
matter between brackets [omitted material] is material to be omitted.
Existing law sets forth requirements for policies of health insurance which include a policy, contract, certificate, plan or agreement issued for the provision of, delivery of, arrangement for, payment for or reimbursement for any costs of a NRS) Large employers and certain small employers have been able to participate in association health plans to provide policies of health insurance for their employees.
Existing law sets forth requirements for policies of health insurance which include a policy, contract, certificate, plan or agreement issued for the provision of, health care service for large and small employers.
(Chapters 689B and 689C of NRS) Large employers and certain small employers have been able to participate in association health plans to provide policies of health insurance for their employees.
Sections 1-5 of this bill define multiple employer welfare arrangements and establish requirements arrangement.
Sections 1-5 of for a certificate of authority to be issued to a self-funded multiple employer welfare arrangement.
Sections 6 and 10 of this bill provide that only one policy of short-fare term health insurance may be issued to an insured during a 365-day period, except it may be extended to cover a period of hospitalization.
Sections 6 and 10 of this bill provide that only one policy of short- term health insurance may be issued to an insured during a 365-day period, except it may be extended to cover a period of hospitalization.
(1) requires a carrier issuing a health benefit plan that is not being purchased on the Silver State Health Insurance Exchange to provide on its enrollment Internet website and printed enrollment information a notice to inform consumers that consumers may be eligible for financial assistance with their health insurance - *SB481_R1* – 2 – premiums or other out-of-pocket expenses by enrolling on the Silver State Health Insurance Exchange;
(1) requires a carrier issuing a health benefit plan that is not being purchased on the Silver State Health Insurance Exchange to provide on its enrollment Internet consumers may be eligible for financial assistance with their health insurance premiums or other out-of-pocket expenses by enrolling on the Silver State Health Insurance Exchange;
THE PEOPLE OF THE STATE OF NEVADA, REPRESENTED IN SENATE AND ASSEMBLY, DO ENACT AS FOLLOWS:
EXPLANATION – Matter in bolded italics is new;
Section 1.
matter between brackets [omitted material] is material to be omitted.
- 80th Session (2019) – 2 – THE SENATE AND ASSEMBLY, DO ENACT AS FOLLOWS:D IN Section 1.
The employers participating in the arrangement are members of a bona fide association;
The employers participating in the arrangement are mem2.rsThe employers participating in the arrangement exercise control over the arrangement, as follows:
2.
The employers participating in the arrangement exercise control over the arrangement, as follows:
and (b) The use of a third-party administrator to process claims and to assist in the administration of the arrangement is not - *SB481_R1* – 3 – evidence of the lack of control over the operation of the arrangement;
and (b) The use of a third-party administrator to process claims and to assist in the administration of the arrangement is not evidence of the lack of control over the operation of the arrangement;
In this State, the arrangement provides or arranges benefits for health care services in compliance with the provisions of this title that mandate particular benefits or offerings and with provisions that require access to particular types or categories of health care providers and facilities;
In this State, the arrangement provides or arranges benefits for health care services in compliance with the provisions of this title that mandate particular benefits or offerings and with - 80th Session (2019) – 3 – provisions that require access to particular types or categories of health care providers and facilities;
6.
arrangement from the general public.
The arrangement may not solicit participation in the arrangement from the general public.
The arrangement has been in existence and operated actively for a continuous period of not less than 10 years as of December 31, 2018, except for an arrangement that has been in existence and operated actively since December 31, 2015, and is 25 years;
The arrangement has been in existence and operated actively for a continuous period of not less than 10 years as of December 31, 2018, except for an arrangement that has been in existence and operated actively since December 31, 2015, and is sponsored by an association that has been in existence more than years;
by an association that has been in existence more than 8.
8.
The arrangement is not organized or maintained solely as premiums to an insurance company;
The arrangement is not organized or maintained solely as a conduit for the collection of premiums and the forwarding of premiums to an insurance company;
andums and the forwarding of 9.
and 9.
680A.010 As used in this Code, unless the context otherwise requires, the words and terms defined in NRS 680A.020 to 680A.050, inclusive, and section 2 of this act shall have the meanings ascribed to them in NRS 680A.020 to 680A.050, inclusive [.] , and section 2 of this act.
680A.010 As used in this Code, unless the context otherwise requires, the words and terms defined in NRS 680A.020 to 680A.050, inclusive, and section 2 of this act shall have the [.] , and section 2 of this act.
Sec.
680A.020 to 680A.050, inclusive Sec.
- *SB481_R1* – 4 – (a) Coverage that is only for accident or disability income insurance, or any combination thereof;
(a) Coverage that is only for accident or disability income insurance, or any combination thereof;
(d) Workers’ compensation or similar insurance;
- 80th Session (2019) – 4 – (e) Coverage for medical payments under a policy of automobile insurance;
(e) Coverage for medical payments under a policy of automobile insurance;
(1) Issued to provide coverage that does not result in an individual being covered by one or more short-term health insurance policies for more than 185 days in a 365-day period, but such coverage may be extended to provide coverage until the end of a period of hospitalization for a condition which the person covered by the policy is hospitalized on the day coverage would have otherwise ended;
(1) Issued to provide coverage that does not result in an individual being covered by one or more short-term health insurance policies for more than 185 days in a 365-day period, but such coverage may be extended to provide coverage until the end of a period of hospitalization for a condition which the person covered by the policy is hospitalized on the day coverage would have ot(2) Nonrenewable or is extended to provide coverage for the period of hospitalization;
and period of hospitalization;
and (j) Coverage under a blanket student accident and health insurance policy.
andxtended to provide coverage for the (j) Coverage under a blanket student accident and health ins3.
3.
The term does not include the following benefits if the benefits are provided under a separate policy, certificate or contract, there is no coordination between the provisions of the benefits and any exclusion of benefits under any group health plan maintained by the same plan sponsor, and the benefits are paid for a claim without regard to whether benefits are provided for such a claim under any group health plan maintained by the same plan sponsor:
The term does not include the following benefits if the there is no coordination between the provisions of the benefits andact, any exclusion of benefits under any group health plan maintained by the same plan sponsor, and the benefits are paid for a claim without regard to whether benefits are provided for such a claim under any group health plan maintained by the same plan sponsor:
and - *SB481_R1* – 5 – (b) Hospital indemnity or other fixed indemnity insurance.
and (b) Hospital indemnity or other fixed indemnity insurance.
(a) Medicare supplemental health insurance as defined in section 1882(g)(1) of the Social Security Act, 42 U.S.C.
- 80th Session (2019) – 5 – (a) Medicare supplemental health insurance as defined in section 1882(g)(1) of the Social Security Act, 42 U.S.C.
(b) Coverage supplemental to the coverage provided pursuant to the Civilian Health and Medical Program of Uniformed Services, [CHAMPUS,] TRICARE, 10 U.S.C.
(b) Coverage supplemental to the coverage provided pursuant to [CHAMPUS,] TRICARE, 10 U.S.C.
and (c) Similar supplemental coverage provided under a group health plan.
anded Services, (c) Similar supplemental coverage provided under a group health plan.
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and coverage was received.ive to the date on which the application for 3.
and (d) Is not retroactive to the date on which the application for coverage was received.
Except as otherwise provided in this subsection, a carrier purchased on the Silver State Health Insurance Exchangenot being established by NRS 695I.210 must include on its enrollment Internet website and printed enrollment information a notice to inform consumers that consumers may be eligible for financial assistance with their health insurance premiums or other out-of- pocket expenses by enrolling on the Silver State Health Insurance Exchange established by NRS 695I.210.
3.
Except as otherwise provided in this subsection, a carrier offering a health benefit plan for individuals that is not being purchased on the Silver State Health Insurance Exchange established by NRS 695I.210 must include on its enrollment Internet website and printed enrollment information a notice to assistance with their health insurance premiums or other out-of- pocket expenses by enrolling on the Silver State Health Insurance Exchange established by NRS 695I.210.
You can compare different plans, get quotes and find out if you qualify for - *SB481_R1* – 6 – financial assistance.
You can compare different plans, get quotes and find out if you qualify for financial assistance.
The Silver State Health Insurance Exchange is the only way to receive financial assistance for your health insurance.
The Silver State Health Insurance - 80th Session (2019) – 6 – Exchange is the only way to receive financial assistance for your health insurance.
You can enroll online by visiting www.nevadahealthlink.com or by calling 855-768-5465.
You can enroll online by visiting www.nevadahealthlink.com or by calling 800-547-2927 TTY 711.
6 4.
4.
The Commission may adopt regulations to carry out the provisions of subsection 3, including, without limitation, regulations to require additional information to be provided in the notice required by subsection 3.
The Commissioner may adopt regulations to carry out the provisions of subsection 3, including, without limitation, regulations to require additional information to be provided in the notice required by subsection 3.
or (f) Change or implementation of federal or state laws that no lon2.r pExcept as otherwise provided in subsections 3 and 4, a short-term limited duration medical plan must not be rescinded by premium.ier during the coverage period except for nonpayment of 3.
or (f) Change or implementation of federal or state laws that no longer permit the continued offering of such coverage.
2.
Except as otherwise provided in subsections 3 and 4, a the carrier during the coverage period except for nonpayment ofby premium.
3.
When cancellation or rescission is for nonpayment of premium, the carrier must notify the member in writing 10 days prior to the cancellation or rescission that his or her short-term - *SB481_R1* – 7 – limited duration medical plan will be cancelled, unless payment is made prior to the cancellation date.
When cancellation or rescission is for nonpayment of premium, the carrier must notify the member in writing 10 days - 80th Session (2019) – 7 – prior to the cancellation or rescission that his or her short-term limited duration medical plan will be cancelled, unless payment is made prior to the cancellation date.
When cancellation is for any other reason allowed under subsection 1, the carrier must notify the member in writing 20 days prior to the cancellation date.
When cancellation is for any other reason allowed under subsection 1, the carrier must notify notice must specifically state the reason or reasons for the.
The notice must specifically state the reason or reasons for the cancellation.
The cancellation.
If any such provision is in whole or in part inapplicable to or inconsistent with the coverage provided by a particular form of omit from the policy any inapplicable provision or part of amay provision, and shall modify any inconsistent provision or part of a the policy consistent with the coverage provided by the policy.d in Sec.
If any such provision is in whole or in part inapplicable to or inconsistent with the coverage provided by a particular form of policy, the insurer, with the approval of the Commissioner, may omit from the policy any inapplicable provision or part of a provision, and shall modify any inconsistent provision or part of a the policy consistent with the coverage provided by the policy.d in Sec.
(e) Coverage for medical payments under a policy of automobile insurance;
- 80th Session (2019) – 8 – insurance;erage for medical payments under a policy of automobile (f) Credit insurance;
(f) Credit insurance;
(g) Coverage for on-site medical clinics;
- *SB481_R1* – 8 – (g) Coverage for on-site medical clinics;
and (2) Nonrenewable or is extended to provide coverage for the period of hospitalization;
and period of hospitalization;
and (j) Coverage under a blanket student accident and health insurance policy.
andextended to provide coverage for the (j) Coverage under a blanket student accident and health insurance policy.
care or community-based care, or any combination thereof;
(b) Benefits for long-term care, nursing home care, home health care or community-based care, or any combination thereof;
andealth (c) Such other similar benefits as are specified in any federal Accountability Act of 1996, Public Law 104-191.rance Portability and 4.
and (c) Such other similar benefits as are specified in any federal regulations adopted pursuant to the Health Insurance Portability and Accountability Act of 1996, Public Law 104-191.
The term does not include the following benefits if the benefits are provided under a separate policy, certificate or contract of insurance, there is no coordination between the provision of the benefits and any exclusion of benefits under any group health plan maintained by the same plan sponsor, and the benefits are paid for a claim without regard to whether benefits are provided for such a claim under any group health plan maintained by the same plan sponsor:
4.
The term does not include the following benefits if the benefits are provided under a separate policy, certificate or contract benefits and any exclusion of benefits under any group health plane maintained by the same plan sponsor, and the benefits are paid for a claim without regard to whether benefits are provided for such a claim under any group health plan maintained by the same plan sponsor:
(a) Medicare supplemental health insurance as defined in section 1882(g)(1) of the Social Security Act, 42 U.S.C.
- 80th Session (2019) – 9 – 1882(g)(1) of the Social Security Act, 42 U.S.C.
§ 1395ss, as that section existed on July 16, 1997;
§ 1395ss, as thatn section existed on July 16, 1997;
- *SB481_R1* – 9 – (b) Coverage supplemental to the coverage provided pursuant to the Civilian Health and Medical Program of Uniformed Services, [CHAMPUS,] TRICARE, 10 U.S.C.
(b) Coverage supplemental to the coverage provided pursuant to the Civilian Health and Medical Program of Uniformed Services, [CHAMPUS,] TRICARE, 10 U.S.C.
(c) Provide for the establishment of a program to assist qualified small employers in Nevada in facilitating the enrollment of their employees in qualified health plans offered in the small group market;
(c) Provide for the establishment of a program to assist qualified small employers in Nevada in facilitating the enrollment of their employees in qualified health plans offered in the small group mar(d) Make only qualified health plans available to qualified individuals and qualified small employers on or after January 1, 2014;
(d) Make only qualified health plans available to qualified individuals and qualified small employers on or after January 1, 2014;
limitation, a local government, a political subdivision of a local government and a governmental agency, to assist in carrying out the dut(b) Apply for and accept any gift, donation, bequest, grant or other source of money to carry out the duties and powers of the Exchange or the Board.
(a) Enter into contracts with any person, including, without limitation, a local government, a political subdivision of a local government and a governmental agency, to assist in carrying out the duties and powers of the Exchange or the Board;
3.
and (b) Apply for and accept any gift, donation, bequest, grant or other source of money to carry out the duties and powers of the Exchange or the Board.
The Exchange is subject to the provisions of chapter 333 of NRS.
NRS..
Sec.
The Exchange is subject to the provisions of chapter 333 of Sec.
3.
- 80th Session (2019) – 10 – 3.
H - *SB481_R1*
~~~~~ 19 - 80th Session (2019)
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Amendments

1 amendment

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Action History

  1. Chapter 250.

  2. Approved by the Governor.

  3. Enrolled and delivered to Governor.

  4. In Senate. To enrollment.

  5. Read third time. Passed. Title approved. (Yeas: 39, Nays: None, Excused: 2, Vacant: 1.) To Senate.

  6. Taken from General File. Placed on General File for next legislative day.

  7. Taken from General File. Placed on General File for next legislative day.

  8. Taken from General File. Placed on General File for next legislative day.

  9. Read second time.

  10. From committee: Do pass.

  11. In Assembly. Read first time. Referred to Committee on Commerce and Labor. To committee.

  12. From printer. To engrossment. Engrossed. First reprint. Read third time. Passed, as amended. Title approved, as amended. (Yeas: 21, Nays: None.) To Assembly.

  13. From committee: Amend, and do pass as amended. Placed on Second Reading File. Read second time. Amended. (Amend. No. 575.) To printer.

  14. From printer. To committee.

  15. Read first time. Referred to Committee on Commerce and Labor. To printer.

Sponsors

  • Senate Committee on Health and Human Services · Primary

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 66 not signed on

Sponsors (1)

  • Senate Committee on Health and Human Services

Co-sponsors (0)

None.

Not signed on (66)

66 members have not signed on to this bill.

Show all 66 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

healthcare health-insurance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does SB 481 do?
AN ACT relating to health insurance; establishing requirements for obtaining a certificate of authority for self-funded multiple employer welfare arrangements; establishing requirements for short-term limited duration medical plan cancellation and rescission; allowing certain consumers to purchase individual health insurance policies outside the rating area where they reside; revising provisions relating to health benefit plans that are not purchased on the Silver State Health Insurance Exchange; and providing other matters properly relating thereto.
Who sponsors SB 481?
SB 481 is sponsored by Senate Committee on Health and Human Services.
What is the current status of SB 481?
This bill has been enacted into law. Introduced March 25, 2019. Enacted.
Where can I track SB 481?
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