NRS 695A.1865
Coverage for drug or device for contraception and related health services in certain circumstances

  • prohibited actions by society
  • exceptions.

1.

Except as otherwise provided in subsection 7, a society that offers or issues a benefit contract which provides coverage for prescription drugs or devices shall include in the contract 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 benefit contract;

(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.

A society 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 society.

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 society.

4.

Except as otherwise provided in subsections 8, 9 and 11, a society that offers or issues a benefit contract 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 for any benefit included in the benefit contract pursuant to subsection 1;

(b)

Refuse to issue a benefit contract or cancel a benefit contract solely because the person applying for or covered by the contract 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 to 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 to 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 benefit contract 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 contract or the renewal which is in conflict with this section is void.

7.

A society that offers or issues a benefit contract and which is affiliated with a religious organization is not required to provide the coverage required by subsection 1 if the society objects on religious grounds. Such a society shall, before the issuance of a benefit contract and before the renewal of such a contract, provide to the prospective insured written notice of the coverage that the society refuses to provide pursuant to this subsection.

8.

A society 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 benefit contract 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 society 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;

(c)

Implantable rods;

(d)

Copper-based intrauterine devices;

(e)

Progesterone-based intrauterine devices;

(f)

Injections;

(g)

Combined estrogen- and progestin-based drugs;

(h)

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;

(o)

Female condoms;

(p)

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, a society 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.

A society 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.

A society 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 society 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 benefit contract offered by a society 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 society. 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.

Source: Section 695A.1865 — Coverage for drug or device for contraception and related health services in certain circumstances; prohibited actions by society; exceptions., https://www.­leg.­state.­nv.­us/NRS/NRS-695A.­html#NRS695ASec1865.

695A.001
Definitions.
695A.003
“Benefit contract” defined.
695A.004
“Benefit member” defined.
695A.006
“Certificate” defined.
695A.010
“Fraternal benefit society” defined.
695A.014
“Insurer” defined.
695A.016
“Laws” defined.
695A.018
“Lodge” defined.
695A.020
“Lodge system” defined.
695A.023
“Medicaid” defined.
695A.027
“Order for medical coverage” defined.
695A.030
“Premiums” defined.
695A.040
“Representative form of government” defined.
695A.042
“Rules” defined.
695A.044
“Society” defined.
695A.050
Organization: Preparation and contents of articles of incorporation.
695A.060
Organization: Filing of documents and bond with Commissioner
695A.070
Organization: Solicitation of members
695A.080
Certificate of authority: Issuance and renewal
695A.090
General powers and duties of society.
695A.095
Contracts between society and provider of health care: Prohibiting society from charging provider of health care fee for inclusion on list of providers given to insureds
695A.110
Unincorporated or voluntary association prohibited.
695A.120
Location of principal office
695A.130
Consolidation
695A.140
Conversion of fraternal benefit society into mutual life insurer.
695A.150
Qualifications for and rights and privileges of membership.
695A.151
Effect of eligibility for medical assistance under Medicaid on eligibility for coverage
695A.152
Society required to comply with certain provisions concerning portability and availability of health insurance.
695A.153
Society prohibited from asserting certain grounds to deny enrollment of child of insured pursuant to order.
695A.155
Certain accommodations to be made when child is covered under policy of noncustodial parent.
695A.157
Society to authorize enrollment of child of parent who is required by order to provide medical coverage under certain circumstances
695A.159
Society prohibited from restricting coverage of child based on preexisting condition when person who is eligible for group coverage adopts or assumes legal obligation for child.
695A.160
Amendment of laws of society.
695A.180
Scope of contractual benefits.
695A.184
Coverage for prescription drug previously approved for medical condition of insured.
695A.188
Approval or denial of claim
695A.195
Society prohibited from denying coverage solely because person was victim of domestic violence.
695A.197
Society prohibited from denying coverage solely because insured was intoxicated or under the influence of controlled substance
695A.200
Nonforfeiture benefits, cash surrender values, certificate loans and other options.
695A.210
Beneficiaries
695A.220
Benefits not liable to attachment, garnishment or other process.
695A.230
Terms and conditions of benefit contracts.
695A.232
Requirements regarding issuance of health benefit plans and adjustment of costs.
695A.235
Offering policy of health insurance for purposes of establishing health savings account.
695A.240
Approval and contents of certificates.
695A.255
Coverage for prescription drugs: Provision of notice and information regarding use of formulary.
695A.265
Coverage for services provided through telehealth.
695A.270
Waiver of provisions of society’s laws.
695A.280
Reinsurance.
695A.300
Admission of foreign or alien society.
695A.310
Injunction against, liquidation of or appointment of receiver for domestic society.
695A.320
Suspension, revocation or refusal of license of foreign or alien society.
695A.330
Licensing of insurance agents of society
695A.400
Service of process on society.
695A.410
Injunctions against societies.
695A.420
Judicial review of Commissioner’s findings and decisions.
695A.430
Assets, funds and accounts of society.
695A.440
Investments.
695A.450
Annual statement of financial condition, transactions and affairs.
695A.460
Penalties for failure to file statement properly.
695A.475
Liability of directors, officers, employees, members and volunteers
695A.490
Standards of valuation for certificates.
695A.500
Examination of societies transacting business in State.
695A.530
Applicability of statutory provisions relating to trade practices and frauds.
695A.550
Exemption of societies from certain taxes.
695A.555
Fees: Applicability of certain provisions.
695A.560
Exemption of societies from other insurance laws.
695A.570
Applicability.
695A.580
Penalties.
695A.1845
Required coverage for certain tests and vaccines relating to human papillomavirus
695A.1855
Coverage for mammograms for certain women
695A.1857
Benefit contract that includes coverage for maternity care must not deny coverage to gestational carrier
695A.1865
Coverage for drug or device for contraception and related health services in certain circumstances
695A.1873
Coverage for management and treatment of sickle cell disease.
695A.1875
Coverage for certain services, screenings and tests relating to wellness
Last Updated

Jun. 24, 2021

§ 695A.1865’s source at nv​.us