Coverage for drug or device for contraception and related health services
- prohibited acts
1.Except as otherwise provided in subsection 7, an insurer that offers or issues a policy of health insurance shall include in the policy coverage for:
(a)Up to a 12-month supply, per prescription, of any type of drug for contraception or its therapeutic equivalent which is:
(1)Lawfully prescribed or ordered;
(2)Approved by the Food and Drug Administration;
(3)Listed in subsection 10; and
(4)Dispensed in accordance with NRS 639.28075;
(b)Any type of device for contraception which is:
(1)Lawfully prescribed or ordered;
(2)Approved by the Food and Drug Administration; and
(3)Listed in subsection 10;
(c)Insertion of a device for contraception or removal of such a device if the device was inserted while the insured was covered by the same policy of health insurance;
(d)Education and counseling relating to the initiation of the use of contraception and any necessary follow-up after initiating such use;
(e)Management of side effects relating to contraception; and
(f)Voluntary sterilization for women.
2.An insurer must ensure that the benefits required by subsection 1 are made available to an insured through a provider of health care who participates in the network plan of the insurer.
3.If a covered therapeutic equivalent listed in subsection 1 is not available or a provider of health care deems a covered therapeutic equivalent to be medically inappropriate, an alternate therapeutic equivalent prescribed by a provider of health care must be covered by the insurer.
4.Except as otherwise provided in subsections 8, 9 and 11, an insurer that offers or issues a policy of health insurance shall not:
(a)Require an insured to pay a higher deductible, any copayment or coinsurance or require a longer waiting period or other condition for coverage to obtain any benefit included in the policy pursuant to subsection 1;
(b)Refuse to issue a policy of health insurance or cancel a policy of health insurance solely because the person applying for or covered by the policy uses or may use any such benefit;
(c)Offer or pay any type of material inducement or financial incentive to an insured to discourage the insured from obtaining any such benefit;
(d)Penalize a provider of health care who provides any such benefit to an insured, including, without limitation, reducing the reimbursement of the provider of health care;
(e)Offer or pay any type of material inducement, bonus or other financial incentive to a provider of health care to deny, reduce, withhold, limit or delay access to any such benefit to an insured; or
(f)Impose any other restrictions or delays on the access of an insured any such benefit.
5.Coverage pursuant to this section for the covered dependent of an insured must be the same as for the insured.
6.Except as otherwise provided in subsection 7, a policy subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after January 1, 2018, has the legal effect of including the coverage required by subsection 1, and any provision of the policy or the renewal which is in conflict with this section is void.
7.An insurer that offers or issues a policy of health insurance and which is affiliated with a religious organization is not required to provide the coverage required by subsection 1 if the insurer objects on religious grounds. Such an insurer shall, before the issuance of a policy of health insurance and before the renewal of such a policy, provide to the prospective insured written notice of the coverage that the insurer refuses to provide pursuant to this subsection.
8.An insurer may require an insured to pay a higher deductible, copayment or coinsurance for a drug for contraception if the insured refuses to accept a therapeutic equivalent of the drug.
9.For each of the 18 methods of contraception listed in subsection 10 that have been approved by the Food and Drug Administration, a policy of health insurance must include at least one drug or device for contraception within each method for which no deductible, copayment or coinsurance may be charged to the insured, but the insurer may charge a deductible, copayment or coinsurance for any other drug or device that provides the same method of contraception.
10.The following 18 methods of contraception must be covered pursuant to this section:
(a)Voluntary sterilization for women;
(b)Surgical sterilization implants for women;
(d)Copper-based intrauterine devices;
(e)Progesterone-based intrauterine devices;
(g)Combined estrogen- and progestin-based drugs;
(i)Extended- or continuous-regimen drugs;
(j)Estrogen- and progestin-based patches;
(k)Vaginal contraceptive rings;
(l)Diaphragms with spermicide;
(m)Sponges with spermicide;
(n)Cervical caps with spermicide;
(q)Combined estrogen- and progestin-based drugs for emergency contraception or progestin-based drugs for emergency contraception; and
(r)Ulipristal acetate for emergency contraception.
11.Except as otherwise provided in this section and federal law, an insurer may use medical management techniques, including, without limitation, any available clinical evidence, to determine the frequency of or treatment relating to any benefit required by this section or the type of provider of health care to use for such treatment.
12.An insurer shall not use medical management techniques to require an insured to use a method of contraception other than the method prescribed or ordered by a provider of health care.
13.An insurer must provide an accessible, transparent and expedited process which is not unduly burdensome by which an insured, or the authorized representative of the insured, may request an exception relating to any medical management technique used by the insurer to obtain any benefit required by this section without a higher deductible, copayment or coinsurance.
14.As used in this section:
(a)“Medical management technique” means a practice which is used to control the cost or utilization of health care services or prescription drug use. The term includes, without limitation, the use of step therapy, prior authorization or categorizing drugs and devices based on cost, type or method of administration.
(b)“Network plan” means a policy of health insurance offered by an insurer under which the financing and delivery of medical care, including items and services paid for as medical care, are provided, in whole or in part, through a defined set of providers under contract with the insurer. The term does not include an arrangement for the financing of premiums.
(c)“Provider of health care” has the meaning ascribed to it in NRS 629.031.
(d)“Therapeutic equivalent” means a drug which:
(1)Contains an identical amount of the same active ingredients in the same dosage and method of administration as another drug;
(2)Is expected to have the same clinical effect when administered to a patient pursuant to a prescription or order as another drug; and
(3)Meets any other criteria required by the Food and Drug Administration for classification as a therapeutic equivalent.
Section 689A.0418 — Coverage for drug or device for contraception and related health services; prohibited acts; exceptions.,