NRS695C.170. Evidence of coverage: Issuance; form and contents.

      1.  Every enrollee residing in this state is entitled to evidence of coverage under a health care plan. If the enrollee obtains coverage under a health care plan through an insurance policy, whether by option or otherwise, the insurer shall issue the evidence of coverage. Otherwise, the health maintenance organization shall issue the evidence of coverage.

      2.  Evidence of coverage or amendment thereto must not be issued or delivered to any person in this state until a copy of the form of the evidence of coverage or amendment thereto has been filed with and approved by the Commissioner.

      3.  An evidence of coverage:

      (a) Must not contain any provisions or statements which are unjust, unfair, inequitable, misleading, deceptive, which encourage misrepresentation or which are untrue, misleading or deceptive as defined in subsection 1 of NRS 695C.300; and

      (b) Must contain a clear and complete statement, if a contract, or a reasonably complete summary if a certificate, of:

             (1) The health care services and the insurance or other benefits, if any, to which the enrollee is entitled under the health care plan;

             (2) Any limitations on the services, kind of services, benefits, or kind of benefits, to be provided, including any deductible or copayment feature;

             (3) Where and in what manner the services may be obtained; and

             (4) The total amount of payment for health care services and the indemnity or service benefits, if any, which the enrollee is obligated to pay.

Ê Any subsequent change may be evidenced in a separate document issued to the enrollee.

      4.  A copy of the form of the evidence of coverage to be used in this state and any amendment thereto is subject to the requirements for filing and approval of subsection 2 unless it is subject to the jurisdiction of the Commissioner under the laws governing health insurance, in which event the provisions for filing and approval of those laws apply. To the extent that such provisions do not apply to the requirements in subsection 3, such provisions are amended to incorporate the requirements of subsection 3 in approving or disapproving an evidence of coverage required by subsection 2.

      (Added to NRS by 1973, 1251; A 1975, 1852; 1979, 1182; 1983, 2041; 2009, 1817)