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(Reprinted with amendments adopted on May 21, 2025) FIRST REPRINT A.B.
Assembly Bill No.
511 A SSEMBLY B ILLN O.
511–Committee on Commerce and Labor CHAPTER..........
511–COMMITTEE ON C OMMERCE AND LABOR M ARCH 24, 2025 ____________ Referred to Committee on Commerce and Labor SUMMARY—Revises provisions relating to insurance.
(BDR 57-697) FISCAL NOTE:
EffEffect on the State:
No.
No.
~ EXPLANATION – Matter in bolded italics is new;
matter between brackets [omitted material] is material to be omitted.
Existing law entitles an insured to reimbursement for treatment by a chiropractic physician if a policy of individual health insurance, policy of group health insurance, nonprofit corporation contract for hospital, medical and dental services or evidence of illness which is within the authorized scope of practice of a qualified chiropractic physician.
Existing law entitles an insured to reimbursement for treatment by a chiropractic physician if a policy of individual health insurance, policy of group services or evidence of coverage of a health maintenance organization providestal coverage for treatment of an illness which is within the authorized scope of practice of a qualified chiropractic physician.
(5) a licensed podiatrist;
(5) a licensed registered nurses under certain circumstances.
(6) a licensed clinical drug and alcohol 608.1575, 689A.0475-689A.0495, 689B.038-689B.0397, 689B.045, 689B.049,es.
(NRS 608.1575, 689A.0475-certain 689A.0495, 689B.038-689B.0397, 689B.045, 689B.049, 695B.1951-695B.199, 695C.1765-695C.179) Sections 1-16, 17-24 and 25-33 of this bill revise those provisions to entitle the insured or the provider who provided treatment to the insured, as applicable, to reimbursement for the treatment provided.
(NRS 695B.1951-695B.199, 695C.1765-695C.179) Sections 1-16, 17-24 and 25-33 of this bill revise those provisions to entitle the insured or the provider who provided treatment to the insured, as applicable, to reimbursement for the treatment provided.
Existing law authorizes a person insured under a policy of individual health benefits, under certain circumstances, to the provider of health care who providedt to the services covered by the policy.
Existing law authorizes a person insured under a policy of individual health insurance or policy of group or blanket health insurance to assign his or her right to services covered by the policy.
(NRS 689A.135, 689B.040, 689B.100) Sections 16.5 and 24.5 of this bill similarly authorize a person insured under a contract for hospital, medical or dental services issued by a nonprofit hospital, medical or dental services corporation or a health care plan issued by a health maintenance organization to make such an assignment.
(NRS 689A.135, 689B.040, 689B.100) Sections 16.5ed the and 24.5 of this bill similarly authorize a person insured under a contract for hospital, medical or dental services issued by a nonprofit hospital, medical or dental services corporation or a health care plan issued by a health maintenance organization to make such an assignment.
EXPLANATION – Matter in bolded italics is new;
- *AB511_R1* – 2 – THE PEOPLE OF THE STATE OF NEVADA, REPRESENTED IN SENATE AND ASSEMBLY, DO ENACT AS FOLLOWS:
matter between brackets [omitted material] is material to be omitted.
THE PEOPLE OF THE STATE OF NEVADA, REPRESENTED IN SENATE AND ASSEMBLY, DO ENACT AS FOLLOWS:
Sec.
- 83rd Session (2025) – 2 – Sec.
689A.048 If any policy of health insurance provides coverage for treatment [of an illness] which is within the authorized scope of the practice of a qualified psychologist, the insured [is entitled to reimbursement for treatments by] or a licensed psychologist [.] who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
689A.048 If any policy of health insurance provides coverage for treatment [of an illness] which is within the authorized scope of the practice of a qualified psychologist, the insured [is entitled to provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
689A.0485 If any policy of health insurance provides coverage for treatment [of an illness] which is within the authorized scope of master social worker, an independent social worker or a clinicalrker, a social worker, the insured [is entitled to reimbursement for treatment by] or an associate in social work, a social worker, a master social worker, an independent social worker or a clinical social worker who is licensed pursuant to chapter 641B of NRS [.] and who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
689A.0485 If any policy of health insurance provides coverage for treatment [of an illness] which is within the authorized scope of the practice of a licensed associate in social work, a social worker, a master social worker, an independent social worker or a clinical social worker, the insured [is entitled to reimbursement for treatment by] or an associate in social work, a social worker, a master social worker, an independent social worker or a clinical social worker who is licensed pursuant to chapter 641B of NRS [.] and who provides such treatment to the insured, as applicable, is entSec.
Sec.
5.o rNRS 689A.0487 is hereby amended to read as follows:
5.
NRS 689A.0487 is hereby amended to read as follows:
If any policy of health insurance provides coverage for treatment [of an illness] which is within the authorized scope of practice of a qualified podiatrist, the insured [is entitled to reimbursement for treatments by] or a podiatrist who is licensed pursuant to chapter 635 of NRS [.] and who provides such - *AB511_R1* – 3 – treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
If any policy of health insurance provides coverage for treatment [of an illness] which is within the authorized scope of practice of a qualified podiatrist, the insured [is entitled to reimbursement for treatments by] or a podiatrist who is licensed pursuant to chapter 635 of NRS [.] and who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
Sec.
- 83rd Session (2025) – 3 – Sec.
If any policy of health insurance provides coverage for treatment [of an illness] which is within the authorized scope of practice of a qualified chiropractic physician, the insured [is entitled to reimbursement for treatments by] or a chiropractic physician who is licensed pursuant to chapter 634 of NRS [.] and who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
If any policy of health insurance provides coverage for treatment [of an illness] which is within the authorized scope of practice of a qualified chiropractic physician, the insured physician who is licensed pursuant to chapter 634 of NRS [.] andic who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
689A.0495 1.
coverage for services which are within the authorized scope ofs practice of a registered nurse who is authorized pursuant to chapter of NRS to perform additional acts in an emergency or under other special conditions as prescribed by the State Board of Nursing, and which are reimbursed when provided by another provider of health care, the insured [is entitled to reimbursement for services provided by such] or a registered nurse [.] who provides such services to the insured, as applicable, is entitled to reimbursement for the services provided.
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 an emergency or under other special conditions as prescribed by the State Board of Nursing, and which are reimbursed when provided by another provider of health care, the insured [is entitled to reimbursement for services provided by such] or a registered nurse [.] who provides such services to the insured, as applicable, is entitled to reimbursement for the services provided.
- *AB511_R1* – 4 – (a) Coverage for services provided by such a registered nurse to a number of occasions less than for services provided by another provider of health care.
(a) Coverage for services provided by such a registered nurse to a number of occasions less than for services provided by another provider of health care.
(b) Reimbursement for services provided by such a registered nurse to an amount less than that reimbursed for similar services provided by another provider of health care.
- 83rd Session (2025) – 4 – (b) Reimbursement for services provided by such a registered nurse to an amount less than that reimbursed for similar services provided by another provider of health care.
An insurer is not required to pay for services provided by such a registered nurse which duplicate services provided by another provider of health care.
An insurer is not required to pay for services provided by provider of health care.which duplicate services provided by another Sec.
Sec.
689B.0385 If any policy of group health insurance provides coverage for treatment [of an illness] which is within the authorized scope of the practice of a licensed associate in social work, a social worker, a master social worker, an independent social worker or a clinical social worker, the insured [is entitled to reimbursement for treatment by an associate in social work,] or a social worker, a master social worker, an independent social worker or a clinical social worker who is licensed pursuant to chapter 641B of NRS [.] and who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
689B.0385 If any policy of group health insurance provides scope of the practice of a licensed associate in social work, a social worker, a master social worker, an independent social worker or a clinical social worker, the insured [is entitled to reimbursement for treatment by an associate in social work,] or a social worker, a master social worker, an independent social worker or a clinical social worker who is licensed pursuant to chapter 641B of NRS [.] and who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
If any group policy of health insurance provides coverage for treatment [of an illness] which is within the authorized scope of practice of a qualified chiropractic physician, the insured [is entitled to reimbursement for treatments by] or a chiropractic physician who is licensed pursuant to chapter 634 of NRS [.] and - *AB511_R1* – 5 – who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
If any group policy of health insurance provides coverage for treatment [of an illness] which is within the authorized scope of practice of a qualified chiropractic physician, the insured [is entitled to reimbursement for treatments by] or a chiropractic physician who is licensed pursuant to chapter 634 of NRS [.] and - 83rd Session (2025) – 5 – who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
(a) Coverage for treatments by a chiropractic physician to a number less than for treatments by other physicians.
(a) Coverage for treatments by a chiropractic physician to a num(b) Reimbursement for treatments by a chiropractic physician to an amount less than that charged for similar treatments by other physicians.
(b) Reimbursement for treatments by a chiropractic physician to an amount less than that charged for similar treatments by other physicians.
689B.0397 If any policy of group health insurance provides coverage for treatment [of an illness] which is within the authorized scope of practice of a licensed clinical alcohol and drug counselor, the insured [is entitled to reimbursement for treatment by] or a clinical alcohol and drug counselor who is licensed pursuant to chapter 641C of NRS [unless] and who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided, including, without limitation, if the clinical alcohol and drug counselor must be directly reimbursed pursuant to:
689B.0397 If any policy of group health insurance provides coverage for treatment [of an illness] which is within the authorized scope of practice of a licensed clinical alcohol and drug counselor, clinical alcohol and drug counselor who is licensed pursuant toa chapter 641C of NRS [unless] and who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided, including, without limitation, if the clinical alcohol and drug counselor must be directly reimbursed pursuant to:
If any group 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 an emergency or under other special conditions as prescribed by the State Board of Nursing, and which are reimbursed when provided by another provider of health care, the insured [is entitled to reimbursement for services provided by such] or a registered nurse [.] who provides such - *AB511_R1* – 6 – services to the insured, as applicable, is entitled to reimbursement for the services provided.
If any group 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 of NRS to perform additional acts in an emergency or under other special conditions as prescribed by the State Board of Nursing, and which are reimbursed when provided by another provider of health care, the insured [is entitled to reimbursement for services - 83rd Session (2025) – 6 – provided by such] or a registered nurse [.] who provides such services to the insured, as applicable, is entitled to reimbursement for the services provided.
(a) Coverage for services provided by such a registered nurse to a number of occasions less than for services provided by another provider of health care.
a number of occasions less than for services provided by another to provider of health care.
The nonprofit hospital, medical or dental service corporation shall pay all the benefits or the part of the benefits assigned by the insured to the person designated by the insured.
The nonprofit hospital, medical or dental service corporation shall pay all the benefits or the part of the benefits payment made pursuant to this subsection discharges the insured.
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A payment made pursuant to this subsection discharges the obligation of the corporation to pay those benefits.
A obligation of the corporation to pay those benefits.
If any contract for hospital or medical services provides coverage for treatment [of an illness] which is within the authorized scope of practice of a qualified podiatrist, the insured [is entitled to reimbursement for treatments by] or a podiatrist who is licensed pursuant to chapter 635 of NRS [.] and who provides such - *AB511_R1* – 7 – treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
If any contract for hospital or medical services provides coverage for treatment [of an illness] which is within the authorized scope of practice of a qualified podiatrist, the insured [is - 83rd Session (2025) – 7 – entitled to reimbursement for treatments by] or a podiatrist who is licensed pursuant to chapter 635 of NRS [.] and who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
2.
The terms of the policy must not limit:
695B.196 If any contract for hospital or medical services provides coverage for acupuncture performed by a physician, the insured [is entitled to reimbursement for acupuncture performed by] or a person who is licensed pursuant to chapter 634A of NRS [.] and performs acupuncture on the insured, as applicable, is entitled to reimbursement for the acupuncture performed.
695B.196 If any contract for hospital or medical services provides coverage for acupuncture performed by a physician, the insured [is entitled to reimbursement for acupuncture performed by] and performs acupuncture on the insured, as applicable, isS [.] entitled to reimbursement for the acupuncture performed.
695B.1973 If any contract for hospital or medical service provides coverage for treatment [of an illness] which is within the authorized scope of practice of a licensed marriage and family therapist or licensed clinical professional counselor, the insured [is entitled to reimbursement for treatment by] or a marriage and family therapist or clinical professional counselor who is licensed pursuant to chapter 641A of NRS [.] and who provides such treatment to the - *AB511_R1* – 8 – insured, as applicable, is entitled to reimbursement for the treatment provided.
695B.1973 If any contract for hospital or medical service provides coverage for treatment [of an illness] which is within the authorized scope of practice of a licensed marriage and family therapist or licensed clinical professional counselor, the insured [is - 83rd Session (2025) – 8 – therapist or clinical professional counselor who is licensed pursuant to chapter 641A of NRS [.] and who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
Sec.
695B.198 NRS1.
23.
NRS 695B.198 is hereby amended to read as follows:
695B.198 1.
If any contract for medical service 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 an emergency or under other special conditions as prescribed by the State Board of Nursing, and which are reimbursed when provided by another provider of health care, the insured [is entitled to reimbursement for services provided by such] or a registered nurse [.] who provides such services to the insured, as applicable, is entitled to reimbursement for the services provided.
If any contract for medical service provides practice of a registered nurse who is authorized pursuant to chapter of NRS to perform additional acts in an emergency or under other special conditions as prescribed by the State Board of Nursing, and which are reimbursed when provided by another provider of health care, the insured [is entitled to reimbursement for services provided by such] or a registered nurse [.] who provides such services to the insured, as applicable, is entitled to reimbursement for the services provided.
(a) Coverage for services provided by such a registered nurse to a number of occasions less than for services provided by another provider of health care.
- 83rd Session (2025) – 9 – (a) Coverage for services provided by such a registered nurse to a number of occasions less than for services provided by another provider of health care.
- *AB511_R1* – 9 – (b) Reimbursement for services provided by such a registered nurse to an amount less than that reimbursed for similar services provided by another provider of health care.
(b) Reimbursement for services provided by such a registered provided by another provider of health care.
3.
for similar services 3.
follows:25.
NRS 695C.1765 is hereby amended to read as 695C.1765 If any evidence of coverage provides coverage for acupuncture performed by a physician, the insured [is entitled to reimbursement for acupuncture performed by] or a person who is licensed pursuant to chapter 634A of NRS [.] and performs acupuncture on the insured, as applicable, is entitled to reimbursement for the acupuncture performed.
25.
NRS 695C.1765 is hereby amended to read as follows:
695C.1765 If any evidence of coverage provides coverage for acupuncture performed by a physician, the insured [is entitled to reimbursement for acupuncture performed by] or a person who is licensed pursuant to chapter 634A of NRS [.] and performs acupuncture on the insured, as applicable, is entitled to reimbursement for the acupuncture performed.
Sec.
Sec.
- 83rd Session (2025) – 10 – Sec.
695C.1773 If any evidence of coverage provides coverage for treatment [of an illness] which is within the authorized scope of practice of a licensed marriage and family therapist or licensed clinical professional counselor, the insured [is entitled to - *AB511_R1* – 10 – reimbursement for treatment by] or a marriage and family therapist or clinical professional counselor who is licensed pursuant to chapter 641A of NRS [.] and who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
695C.1773 If any evidence of coverage provides coverage for treatment [of an illness] which is within the authorized scope of clinical professional counselor, the insured [is entitled tonsed reimbursement for treatment by] or a marriage and family therapist or clinical professional counselor who is licensed pursuant to chapter 641A of NRS [.] and who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
If any evidence of coverage provides coverage for treatment [of an illness] which is within the authorized scope of practice of a qualified chiropractic physician, the insured [is entitled to reimbursement for treatments by] or a chiropractic physician who is licensed pursuant to chapter 634 of NRS [.] and who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
If any evidence of coverage provides coverage for treatment [of an illness] which is within the authorized scope of practice of a qualified chiropractic physician, the insured [is entitled is licensed pursuant to chapter 634 of NRS [.] and who provides who such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
If any evidence of coverage provides coverage for treatment [of an illness] which is within the authorized scope of practice of a qualified podiatrist, the insured [is entitled to reimbursement for treatments by] or a podiatrist who is licensed pursuant to chapter 635 of NRS [.] and who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
If any evidence of coverage provides coverage for treatment [of an illness] which is within the authorized scope of practice of a qualified podiatrist, the insured [is entitled to reimbursement for treatments by] or a podiatrist who is licensed - 83rd Session (2025) – 11 – pursuant to chapter 635 of NRS [.] and who provides such treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.
(a) Coverage for treatments by a podiatrist to a number less than for treatments by other physicians.
for treatments by other physicians.
(b) Reimbursement for treatments by a podiatrist to an amount less than that reimbursed for similar treatments by other physicians.
podiatrist to a number less than (b) Reimbursement for treatments by a podiatrist to an amount less than that reimbursed for similar treatments by other physicians.
- *AB511_R1* – 11 – Sec.
Sec.
If any evidence of coverage 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 an emergency or under other special conditions as prescribed by the State Board of Nursing, and which are reimbursed when provided by another provider of health care, the insured [is entitled to reimbursement for services provided by such] or a registered nurse [.] who provides such services to the insured, as applicable, is entitled to reimbursement for the services provided.
If any evidence of coverage 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 an emergency or under other special conditions as prescribed by the State Board of Nursing, and which the insured [is entitled to reimbursement for services provided by such] or a registered nurse [.] who provides such services to the insured, as applicable, is entitled to reimbursement for the services provided.
Sec.
- 83rd Session (2025) – 12 – Sec.
If an employer provides health benefits for his or her employees which include 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 an emergency or under other special conditions as prescribed by the State Board of Nursing, and which are reimbursed when provided by another provider of health care, the [employees are entitled to reimbursement for services provided by such] employee or a registered nurse [.] who provides such services to an employee, - *AB511_R1* – 12 – as applicable, is entitled to reimbursement for the services provided.
If an employer provides health benefits for his or her employees which include coverage for services which are within the authorized scope of practice of a registered nurse who is acts in an emergency or under other special conditions as prescribed by the State Board of Nursing, and which are reimbursed when provided by another provider of health care, the [employees are entitled to reimbursement for services provided by such] employee or a registered nurse [.] who provides such services to an employee, as applicable, is entitled to reimbursement for the services provided.
The employer is not required to pay for services provided by such a registered nurse which duplicate services provided by another proSec.
The employer is not required to pay for services provided by such a registered nurse which duplicate services provided by another provider of health care.
Sec.
H - *AB511_R1*
~~~~~ 25 - 83rd Session (2025)
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