Nevada 2023 Regular Session Status: Enacted Bipartisan · 12 D · 3 R cosponsors

SB 132 — Revises provisions relating to insurance coverage for living organ donors. (BDR 57-551)

Last action — Approved by the Governor. Chapter 6.

  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 February 13, 2023. Enacted.

Signed by Governor Joe Lombardo (Republican) on May 10, 2023.

Odds of enactment

High chance

Based on the sponsor, cosponsors, and committee posture, this bill has a high chance of becoming law.

Upgrade to see the exact probability and what's driving it.

A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Likely to advance 78% · moderate confidence

  • Enacted

    Current position in the legislative process.

  • 20 sponsors

    7 primary, 13 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (12 D · 3 R) — cross-party backing.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

Bill Text

What changed in the latest version

370 added · 394 removed

370 line(s) added, 394 removed.

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Latest
S.B.
Senate Bill No.
132 S ENATE BILL NO .
132–Senators Pazina, Scheible, Spearman, Cannizzaro, Hansen;
132–SENATORS P AZINA, SCHEIBLE , SPEARMAN , CANNIZZARO , H ANSEN ;
Daly, Dondero Loop, Flores, Hammond, D.
DALY , D ONDERO LOOP , FLORES , D.
Harris, Krasner, Lange, Neal, Nguyen, Ohrenschall, Seevers Gansert and Stone Joint Sponsors:
H ARRIS, L ANGE , N EAL , NGUYEN , OHRENSCHALL AND SEEVERS GANSERT FEBRUARY 13, 2023 ____________ JOINT SPONSORS :
Assemblymen O’Neill, Yeager;
ASSEMBLYMEN O’N EILL, YEAGER ;AND W ATTS ____________ Referred to Committee on Commerce and Labor SUMMARY—Revises provisions relating to insurance coverage for living organ donors.
and Watts CHAPTER..........
(BDR 57-551) FISCAL NOTE:
Effect on Local Government:
No.
Effect on the State:
No.
~ EXPLANATION – Matter in bolded italics is new;
matter between brackets [omitted material] is material to be omitted.
LegExisting law prohibits health insurers from denying, limiting or excluding a covered benefit or requiring an insured to pay a higher premium, deductible, coinsurance or copay based on the health status of the insured or the covered spouse or dependent of the insured.
Legislative Counsel’s Digest:
(NRS 287.010, 287.04335, 689A.032, 689B.500, 689C.190, 695A.232, 695B.183, 695C.050, 695C.1701, 695F.151, 695G.155) Existing law also prohibits unfair discrimination in a policy or contract authorizes the Commissioner of Insurance to enforce the provisions of law thataw prohibit unfair trade practices in the business of insurance, including unfair discrimination in a policy or contract of life insurance, life annuity or health insurance.
Existing law prohibits health insurers from denying, limiting or excluding a coinsurance or copay based on the health status of the insured or the covered spouse or dependent of the insured.
(NRS 287.010, 287.04335, 689A.032, 689B.500, 689C.190, 695A.232, 695B.183, 695C.050, 695C.1701, 695F.151, 695G.155) Existing law also prohibits unfair discrimination in a policy or contract of life insurance, life annuity or health insurance.
(NRS 686A.100) Existing law authorizes the Commissioner of Insurance to enforce the provisions of law that discrimination in a policy or contract of life insurance, life annuity or health insurance.
Sections section 1 in the same manner as other provisions governing the trade practices of insurers.
Sections 3, 5 and 6 of this bill authorize the Commissioner to enforce the requirements of insurers.
Sections 2 and 7-17 of this bill make conforming - *SB132* – 2 – changes to indicate the proper placement of section 1 in the Nevada Revised Statutes.
Sections 2 and 7-17 of this bill make conforming changes to indicate the proper placement of section 1 in the Nevada Revised Statutes.
EXPLANATION – Matter in bolded italics is new;
matter between brackets [omitted material] is material to be omitted.
(c) Limiting the amount, extent or kind of coverage available to a living organ donor;
- 82nd Session (2023) – 2 – (c) Limiting the amount, extent or kind of coverage available to a living organ donor;
or (d) Charging a living organ donor a different rate, premium, deductible, copay or coinsurance than that charged to a similarly situated insured who is not a living organ donor for the same coverage, based solely, and without any additional actuarial risk, upon his or her status as a living organ donor.
or (d) Charging a living organ donor a different rate, premium, deductible, copay or coinsurance than that charged to a similarly coverage,insured who is not a living organ donor for the same based solely, and without any additional actuarial risk, upon his or her status as a living organ donor.
The Commissioner shall establish a program within the Division to investigate any act or practice which constitutes an unfair or deceptive trade practice in violation of the provisions of NRS 686A.010 to 686A.310, inclusive [.] , and section 1 of this act.
The Commissioner shall establish a program within the Division to investigate any act or practice which constitutes an unfair or deceptive trade practice in violation of the provisions of NRSSec.
Sec.
4.10 NRS 686A.120 is hereby amended to read as follows:
4.
act.
NRS 686A.120 is hereby amended to read as follows:
Nothing in NRS 686A.100 and 686A.110 , and section 1 of this act shall be construed as including within the - *SB132* – 3 – definition of discrimination or rebates any of the following practices:
Nothing in NRS 686A.100 and 686A.110 , and section 1 of this act shall be construed as including within the definition of discrimination or rebates any of the following practices:
(b) In the case of life insurance policies issued on the debit plan, making allowance to policyholders who have continuously for a specified period made premium payments directly to an office of the insurer in an amount which fairly represents the saving in collection expense.
(b) In the case of life insurance policies issued on the debit plan, making allowance to policyholders who have continuously for a specified period made premium payments directly to an office of the - 82nd Session (2023) – 3 – insurer in an amount which fairly represents the saving in collection expense.
(c) Readjusting the rate of premium for a group insurance policy based on the loss or expense experience thereunder, at the end of the first or any subsequent policy year of insurance thereunder, which may be made retroactive only for such policy year.
(c) Readjusting the rate of premium for a group insurance policy based on the loss or expense experience thereunder, at the end of the may be made retroactive only for such policy year.hereunder, which (d) Reducing the premium rate for policies of large amounts, but not exceeding savings in issuance and administration expenses reasonably attributable to such policies as compared with policies of similar plan issued in smaller amounts.
(d) Reducing the premium rate for policies of large amounts, but not exceeding savings in issuance and administration expenses reasonably attributable to such policies as compared with policies of similar plan issued in smaller amounts.
Nothing in NRS 686A.010 to 686A.310, inclusive, and section 1 of this act shall be construed as including within the definition of securities as inducements to purchase insurance the selling or offering for sale, contemporaneously with life insurance, of mutual fund shares or face amount certificates of regulated investment companies under offerings registered with the Securities and Exchange Commission where such shares or such face amount certificates or such insurance may be purchased independently of and not contingent upon purchase of the other, at the same price and upon similar terms and conditions as where purchased independently.
Nothing in NRS 686A.010 to 686A.310, inclusive, and section 1 of this act shall be construed as including within the definition of securities as inducements to purchase insurance the selling or offering for sale, contemporaneously with life insurance, of mutual fund shares or face amount certificates of regulated investment companies under offerings registered with the Securities and Exchange Commission where such shares or such face amount certificates or such insurance may be purchased independently of and not contingent upon purchase of the other, at the same price and upon similar terms and conditions as where purchased indSec.
Sec.
5.tlyNRS 686A.160 is hereby amended to read as follows:
5.
686A.160 If the Commissioner has cause to believe that any person has been engaged or is engaging, in this state, in any unfair method of competition or any unfair or deceptive act or practice prohibited by NRS 686A.010 to 686A.310, inclusive, and section 1 of this act and that a proceeding by the Commissioner in respect thereto would be in the interest of the public, the Commissioner may issue and serve upon such person a statement of the charges and a notice of the hearing to be held thereon.
NRS 686A.160 is hereby amended to read as follows:
686A.160 If the Commissioner has cause to believe that any person has been engaged or is engaging, in this state, in any unfair method of competition or any unfair or deceptive act or practice prohibited by NRS 686A.010 to 686A.310, inclusive, and section 1 of this act and that a proceeding by the Commissioner in respect - *SB132* – 4 – thereto would be in the interest of the public, the Commissioner may issue and serve upon such person a statement of the charges and a notice of the hearing to be held thereon.
After the hearing provided for in NRS 686A.160, the Commissioner shall issue an order on hearing pursuant to NRS 679B.360.
After the hearing provided for in NRS 686A.160, the Commissioner shall issue an order on hearing - 82nd Session (2023) – 4 – pursuant to NRS 679B.360.
If the Commissioner determines that the person charged has engaged in an unfair method of competition or an unfair or deceptive act or practice in violation of NRS 686A.010 to 686A.310, inclusive, and section 1 of this act, the Commissioner shall order the person to cease and desist from engaging in that method of competition, act or practice, and may order one or both of the following:
If the Commissioner determines that the person charged has engaged in an unfair method of competition or an unfair or deceptive act or practice in violation of NRS 686A.010 to 686A.310, inclusive, and section 1 of this act, the Commissioner method of competition, act or practice, and may order one or both of the following:
(b) Suspension or revocation of the person’s license if the person knew or reasonably should have known that he or she was in violation of NRS 686A.010 to 686A.310, inclusive [.] , and section 1 of this act.
(b) Suspension or revocation of the person’s license if the person knew or reasonably should have known that he or she was in violation of NRS 686A.010 to 686A.310, inclusive [.] , and section of this act.
After the expiration of the time allowed for taking an appeal, if no petition for review has been filed, the Commissioner may at any time, after notice and opportunity for hearing, reopen and alter, modify or set aside, in whole or in part, any order issued by him or her under this section whenever in the opinion of the Commissioner conditions of fact or of law have so changed as to require such action or if the public interest so requires.
After the expiration of the time allowed for taking an appeal, if no petition for review has been filed, the Commissioner may at modify or set aside, in whole or in part, any order issued by him or, her under this section whenever in the opinion of the Commissioner conditions of fact or of law have so changed as to require such action or if the public interest so requires.
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- *SB132* – 5 – 2.
2.
(a) NRS 679B.230 to 679B.300, inclusive, concerning examinations of insurers.
- 82nd Session (2023) – 5 – (a) NRS 679B.230 to 679B.300, inclusive, concerning examinations of insurers.
(c) Chapter 680A of NRS.
Unless the context requires that a provision apply only to insurers, any reference in those sections to “insurer” must be replaced by a reference to “seller.” Sec.
Unless the context requires that a provision apply replaced by a reference to “seller.”hose sections to “insurer” must be Sec.
Unless the context requires that a provision apply - *SB132* – 6 – only to insurers, any reference in those sections to “insurer” must be replaced by a reference to “seller.” Sec.
Unless the context requires that a provision apply only to insurers, any reference in those sections to “insurer” must be replaced by a reference to “seller.” Sec.
Nonprofit hospital and medical or dental service corporations are subject to the provisions of this chapter, and to the provisions of chapters 679A and 679B of NRS, subsections 2, 4, 18, 19 and 31 of NRS 680B.010, NRS 680B.025 to 680B.060, inclusive, chapter 681B of NRS, NRS 686A.010 to 686A.315, inclusive, and section 1 of this act, 686B.010 to 686B.175, inclusive, 687B.010 to 687B.040, inclusive, 687B.070 to 687B.140, inclusive, 687B.150, 687B.160, 687B.180, 687B.200 to 687B.255, inclusive, 687B.270, 687B.310 to 687B.380, inclusive, 687B.410, 687B.420, 687B.430, 687B.500 and chapters 692B, 692C, 693A and 696B of NRS, to the extent applicable and not in conflict with the express provisions of this chapter.
Nonprofit hospital and medical or dental service corporations are subject to the provisions of this chapter, and to the - 82nd Session (2023) – 6 – provisions of chapters 679A and 679B of NRS, subsections 2, 4, 18, and 31 of NRS 680B.010, NRS 680B.025 to 680B.060, inclusive, chapter 681B of NRS, NRS 686A.010 to 686A.315, inclusive, and section 1 of this act, 686B.010 to 687B.140, inclusive, 687B.150, 687B.160, 687B.180, 687B.200070 to to 687B.255, inclusive, 687B.270, 687B.310 to 687B.380, inclusive, 687B.410, 687B.420, 687B.430, 687B.500 and chapters 692B, 692C, 693A and 696B of NRS, to the extent applicable and not in conflict with the express provisions of this chapter.
(b) A statement or item of information shall be deemed to be misleading, whether or not it may be literally untrue if, in the total context in which such statement is made or such item of information is communicated, such statement or item of information may be reasonably understood by a reasonable person not possessing special knowledge regarding health care coverage, as indicating any benefit or advantage or the absence of any exclusion, limitation or disadvantage of possible significance to an enrollee of, or person considering enrollment in, a health care plan if such benefit or advantage or absence of limitation, exclusion or disadvantage does not in fact exist.
(b) A statement or item of information shall be deemed to be misleading, whether or not it may be literally untrue if, in the total context in which such statement is made or such item of information is communicated, such statement or item of information may be knowledge regarding health care coverage, as indicating any benefit or advantage or the absence of any exclusion, limitation or disadvantage of possible significance to an enrollee of, or person considering enrollment in, a health care plan if such benefit or advantage or absence of limitation, exclusion or disadvantage does not in fact exist.
(c) An evidence of coverage shall be deemed to be deceptive if the evidence of coverage taken as a whole, and with consideration given to typography and format as well as language, shall be such as to cause a reasonable person not possessing special knowledge regarding health care plans and evidences of coverage therefor to expect benefits, services, charges or other advantages which the - *SB132* – 7 – evidence of coverage does not provide or which the health care plan issuing such evidence of coverage does not regularly make available for enrollees covered under such evidence of coverage.
(c) An evidence of coverage shall be deemed to be deceptive if the evidence of coverage taken as a whole, and with consideration given to typography and format as well as language, shall be such as to cause a reasonable person not possessing special knowledge regarding health care plans and evidences of coverage therefor to expect benefits, services, charges or other advantages which the evidence of coverage does not provide or which the health care plan issuing such evidence of coverage does not regularly make available for enrollees covered under such evidence of coverage.
2.
- 82nd Session (2023) – 7 – 2.
NRS 686A.010 to 686A.310, inclusive, and section 1 of this act shall be construed to apply to health maintenance organizations, health care plans and evidences of coverage except to the extent that the nature of health maintenance organizations, health care plans and evidences of coverage render the sections therein clearly inappropriate.
NRS 686A.010 to 686A.310, inclusive, and section 1 of this act shall be construed to apply to health maintenance organizations, health care plans and evidences of coverage except to the extent that the nature of health maintenance organizations, health care plans inappropriate.of coverage render the sections therein clearly 3.
3.
(a) NRS 680A.205 and any regulations adopted pursuant thereto, including, without limitation, regulations relating to the standards which may be used by the Commissioner in determining whether a risk retention group is in a hazardous financial condition.
(a) NRS 680A.205 and any regulations adopted pursuant thereto, including, without limitation, regulations relating to the whether a risk retention group is in a hazardous financial condition.
(a) Report to the Commissioner each premium for direct business for risks resident, located or to be performed in this State - *SB132* – 8 – which the person has placed with or on behalf of a risk retention group that is not chartered in this State.
(a) Report to the Commissioner each premium for direct business for risks resident, located or to be performed in this State which the person has placed with or on behalf of a risk retention group that is not chartered in this State.
(b) Maintain a complete and separate record of each policy obtained from each risk retention group.
- 82nd Session (2023) – 8 – (b) Maintain a complete and separate record of each policy obtained from each risk retention group.
Each record maintained pursuant to this subsection must be made available upon request by the Commissioner for examination pursuant to NRS 679B.240, and must include, for each policy and each kind of insurance provided therein:
Each record maintained pursuant to this subsection must be made available upon request by the Commissioner for examination pursuant to NRS 679B.240, and therein:lude, for each policy and each kind of insurance provided (1) The limit of liability;
(1) The limit of liability;
(d) The requirements of NRS 679B.152.
For the purposes of this paragraph, unless the context otherwise requires that a section apply only to insurers, any - *SB132* – 9 – reference in those sections to “insurer” must be replaced by a reference to “prepaid limited health service organization.” (l) Chapter 692C of NRS, concerning holding companies.
For the purposes of this paragraph, unless the context otherwise requires that a section apply only to insurers, any - 82nd Session (2023) – 9 – reference in those sections to “insurer” must be replaced by a reference to “prepaid limited health service organization.” (l) Chapter 692C of NRS, concerning holding companies.
696A.360 Motor clubs are also subject, in the same manner as insurers, to the following provisions of this Code to the extent reasonably applicable:
insurers, to the following provisions of this Code to the extent reasonably applicable:
H - *SB132*
~~~~~ 23 - 82nd Session (2023)
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Action History

  1. Approved by the Governor. Chapter 6.

  2. Enrolled and delivered to Governor.

  3. In Senate. To enrollment.

  4. Read third time. Passed. Title approved. (Yeas: 42, Nays: None.) To Senate.

  5. Read second time.

  6. From committee: Do pass.

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

  8. Read third time. Passed. Title approved. (Yeas: 21, Nays: None.) To Assembly.

  9. Read second time.

  10. From committee: Do pass.

  11. From printer. To committee.

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

Sponsors

Sponsorship breakdown

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7 sponsors · 13 co-sponsors · 47 not signed on

Sponsors (7)

Co-sponsors (13)

Not signed on (47)

47 members have not signed on to this bill.

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"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

Who sponsors SB 132?
SB 132 is sponsored by Pazina, Julie (Democratic), Scheible, Melanie (Democratic), Cannizzaro, Nicole J. (Democratic), Hansen, Ira (Republican), Philip PK O’Neill, Yeager, Steve (Democratic), Daly, Skip (Democratic), Dondero Loop, Marilyn (Democratic), Flores, Edgar (Democratic), Krasner, Lisa (Republican), Lange, Roberta (Democratic), Neal, Dina (Democratic), Nguyen, Rochelle T. (Democratic), Ohrenschall, James (Democratic), Heidi Seevers O'Gara, Stone, Jeff (Republican), Watts, Howard (Democratic), Harris, Dallas, Scott Hammond, and Pat Spearman.
What is the current status of SB 132?
This bill has been enacted into law. Introduced February 13, 2023. Enacted.
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