Existing federal law requires all health insurers to extend coverage for the covered adult child of an insured until such child reaches 26 years of age. (42 U.S.C. § 300gg-14) Sections 2, 17, 31, 44, 46, 60, 74, 79, 90, 104 and 106 of this bill align Nevada law with federal law in this manner and require a policy of health insurance that provides coverage for dependent children to continue to make such coverage available until the dependent child reaches 26 years of age. Existing federal law requires all health insurance plans to include coverage, without a higher deductible, copay or coinsurance, for certain preventive health care for women, adults and children based on the recommendations and guidelines of certain entities, including the United States Preventive Services Task Force and the Health Resources and Services Administration of the United States Department of Health and Human Services. (42 U.S.C. § 300gg-13; 45 C.F.R. § 147.130) Existing Nevada law generally conforms with federal law in this manner and requires public and private policies of health insurance, including Medicaid, to cover certain preventive health care, including certain screenings, counseling, vaccinations and contraceptive and other family planning drugs and devices. (NRS 287.010, 287.04335, 422.27172, 422.27174, 608.1555, 689A.0418, 689A.0419, 689B.0378, 689B.03785, 689C.1676, 689C.1678, 695A.1865, 695A.1875, 695B.1919, 695B.19195, 695C.1696, 695C.1698, 695G.1715, 695G.1717) Sections 3-5, 11, 18-20, 27, 32-34, 40, 44, 47-49, 57, 61-63, 69, 75-77, 79, 80, 91-93, 101, 104, 106 and 115 of this bill require public and private policies of health insurance, including Medicaid, to include certain additional preventive health care services which are not currently required to be covered under existing law, but have been recommended by the United States Preventive Services Task Force and the Health Resources and Services Administration. Sections 3-5, 11, 18-20, 27, 32-34, 40, 44, 47-49, 57, 61-63, 69, 75-77, 79, 80, 91-93, 101, 104, 106 and 115 additionally prohibit an insurer from charging a higher deductible or any copay or coinsurance for such preventive health care. Existing law requires certain public and private policies of health insurance to provide coverage for: (1) screening, genetic counseling and testing for harmful mutations in the BRCA gene under certain circumstances; (2) examinations of persons who are pregnant to detect certain diseases; and (3) testing for, treating and preventing sexually transmitted diseases. (NRS 287.010, 287.04335, 422.27173, 422.27175, 608.1555, 689A.04049, 689A.0412, 689A.0438, 689B.0314, 689B.0315, 689B.0316, 689C.1653, 689C.1673, 689C.1675, 695A.1844, 695A.1853, 695A.1856, 695B.1911, 695B.1913, 695B.1926, 695C.17347, 695C.1736, 695C.1737, 695G.1707, 695G.1712, 695G.1714) Sections 8, 10, 13, 21-23, 36, 37, 39, 52, 53, 55, 66, 68, 70, 83, 85, 86, 96, 97, 99, 114 and 116 of this bill prohibit an insurer from charging a higher deductible or any copay or coinsurance for these services as well. Sections 10, 22, 39, 55, 68, 86, 99 and 114 additionally require such policies of health insurance to include coverage for the detection of the human immunodeficiency virus in persons who are pregnant. Existing law requires certain public and private policies of health insurance to include coverage for certain screenings and tests for breast cancer. Existing law also prohibits such policies of health insurance, other than Medicaid, from charging a higher deductible or any copay or coinsurance for such screenings and tests. (NRS 287.0273, 287.04337, 422.27176, 608.1555, 689A.0405, 689B.0374, 689C.1674, 695A.1855, 695B.1912, 695C.1735, 695G.1713) Sections 9, 25, 38, 54, 67, 84, 98, 105, 107 and 117 of this bill additionally require such policies of health insurance to include coverage for medication to prevent breast cancer for insureds who are at a high risk of developing breast cancer. Sections 9, 25, 38, 54, 67, 84, 98, 105, 107 and 117 also prohibit an insurer from charging a higher deductible or any copay or coinsurance for any of these services. Sections 105 and 107 additionally require insurance for government employees to cover certain additional diagnostic imaging if breast cancer is seen or suspected. Existing law requires certain policies of health insurance that provide coverage for the treatment of colorectal cancer to additionally provide coverage for the screening of colorectal cancer. (NRS 689A.04042, 689B.0367, 695B.1907, 695C.1731, 695G.168) Sections 7, 24, 35, 50, 65, 82, 95 and 111 of this bill: (1) require all public and private policies of health insurance, including Medicaid, to cover screening for colorectal cancer; and (2) prohibit insurers from charging a higher deductible or any copay or coinsurance for such screenings. Existing federal law requires all policies of health insurance to include coverage for maternity and newborn care. (42 U.S.C. § 18022(b)) Sections 12, 15, 26, 29, 41, 42, 51, 56, 64, 71, 78, 81, 94, 100 and 112 of this bill align Nevada law with federal law in this manner and require public and private policies of health insurance to include coverage for such care. Existing federal regulations prohibit certain health care entities from discriminating on the basis of race, color, national origin, sex, age or disability. (45 C.F.R. §§ 92.101, 92.206, 92.208, 92.209) Existing law prohibits public and private policies of health insurance from discriminating against any person with respect to participation or coverage under the policy on the basis of actual or perceived gender identity or expression. (NRS 287.010, 287.04335, 422.2701, 608.1555, 689A.033, 689B.0675, 689C.1975, 689C.425, 695A.198, 695B.3167, 695C.050, 695C.204, 695G.415) Sections 6, 28, 43, 58, 72, 87, 102 and 113 of this bill additionally prohibit public and private policies of health insurance, including Medicaid, from discriminating against any person on the basis of actual or perceived race, color, national origin, sex, age or disability. Section 119 of this bill similarly prohibits a provider of health care from discriminating against a person on the basis of those characteristics, as well as gender identity or expression. Section 119 also authorizes a board, agency or other entity in this State that licenses, certifies or regulates a provider of health care to: (1) adopt regulations prescribing the types of discrimination that are prohibited; and (2) discipline a provider of health care that violates section 119. Section 88 of this bill authorizes the Commissioner of Insurance to suspend or revoke the certificate of a health maintenance organization that fails to provide the coverage required by sections 74-78. The Commissioner would also be authorized to take such action against other private health insurers who fail to provide the coverage required by this bill. (NRS 680A.200) Section 103 of this bill requires the Director of the Department of Health and Human Services to administer the provisions of sections 109-112 in the same manner as other provisions relating to Medicaid.

Statutes affected:
As Introduced: 689A.033, 689A.04042, 689A.04049, 689A.0405, 689A.0412, 689A.0419, 689A.0424, 689A.0438, 689A.330, 689A.717, 689B.0314, 689B.0315, 689B.0316, 689B.0367, 689B.0374, 689B.03766, 689B.03785, 689B.0675, 689B.520, 689C.1653, 689C.1673, 689C.1674, 689C.1675, 689C.1678, 689C.194, 689C.1945, 689C.1975, 689C.425, 695A.1844, 695A.1853, 695A.1855, 695A.1856, 695A.1857, 695A.1875, 695A.198, 695B.1907, 695B.1911, 695B.1912, 695B.1913, 695B.19195, 695B.1926, 695B.1948, 695B.3167, 695C.050, 695C.1698, 695C.1712, 695C.1731, 695C.17347, 695C.1735, 695C.1736, 695C.1737, 695C.204, 695C.330, 695G.168, 695G.1707, 695G.1712, 695G.1713, 695G.1714, 695G.1716, 695G.1717, 695G.415, 232.320, 287.010, 287.0273, 287.04335, 287.04337, 422.2701, 422.27173, 422.27174, 422.27175, 422.27176, 422.27179
BDR: 689A.033, 689A.04042, 689A.04049, 689A.0405, 689A.0412, 689A.0419, 689A.0424, 689A.0438, 689A.330, 689A.717, 689B.0314, 689B.0315, 689B.0316, 689B.0367, 689B.0374, 689B.03766, 689B.03785, 689B.0675, 689B.520, 689C.1653, 689C.1673, 689C.1674, 689C.1675, 689C.1678, 689C.194, 689C.1945, 689C.1975, 689C.425, 695A.1844, 695A.1853, 695A.1855, 695A.1856, 695A.1857, 695A.1875, 695A.198, 695B.1907, 695B.1911, 695B.1912, 695B.1913, 695B.19195, 695B.1926, 695B.1948, 695B.3167, 695C.050, 695C.1698, 695C.1712, 695C.1731, 695C.17347, 695C.1735, 695C.1736, 695C.1737, 695C.204, 695C.330, 695G.168, 695G.1707, 695G.1712, 695G.1713, 695G.1714, 695G.1716, 695G.1717, 695G.415, 232.320, 287.010, 287.0273, 287.04335, 287.04337, 422.2701, 422.27173, 422.27174, 422.27175, 422.27176, 422.27179