NRS689B.120. Policies of group health insurance to contain provision for conversion; exceptions; conditions. [Effective through December 31, 2013.]

      1.  Except as otherwise provided in subsection 3, all policies of group health insurance delivered or issued for delivery in this state providing for hospital, surgical or major medical expense insurance, or any combination of these coverages, on an expense-incurred basis must contain a provision that the employee or member is entitled to have issued to him or her by the insurer a policy of health insurance when the employee or member is no longer covered by the group policy.

      2.  The requirement in subsection 1 does not apply to policies providing benefits only for specific diseases or accidental injuries, and it applies to other policies only if:

      (a) The termination of coverage under the group policy is not due to termination of the group policy itself unless the termination of the group policy has resulted from failure of the policyholder to remit the required premiums;

      (b) The termination is not due to failure of the employee or member to remit any required contributions;

      (c) The employee or member has been continuously insured under any group policy of the employer for at least 3 consecutive months immediately before the termination; and

      (d) The employee or member applies in writing for the converted policy and pays the first premium to the insurer no later than 31 days after the termination.

      3.  If an employee or member was a recipient of benefits under the coverage provided pursuant to NRS 689B.0345, the employee or member is not entitled to have issued to him or her by a replacement insurer a policy of health insurance unless the employee or member has reported for his or her normal employment for a period of 90 consecutive days after last being eligible to receive any benefits under the coverage provided pursuant to NRS 689B.0345.

      (Added to NRS by 1979, 1084; A 1985, 1060; 1989, 1250; R 2013, 3661, effective January 1, 2014)