Existing law requires public and private policies of health insurance regulated under Nevada law to include certain coverage. (NRS 287.010, 287.04335, 422.2712-422.27241, 689A.04033-689A.0465, 689B.0303-689B.0379, 689C.1655-689C.169, 689C.194, 689C.1945, 689C.195, 695A.184-695A.1875, 695B.1901-695B.1948, 695C.1691-695C.176, 695G.162-695G.177) Existing law also requires employers to provide certain benefits for health care to employees, including the coverage required of health insurers, if the employer provides health benefits for its employees. (NRS 608.1555) Sections 1.3, 3, 4, 6, 7, 8, 11, 13, 14 and 15 of this bill: (1) require certain public and private policies of health insurance and health care plans, including Medicaid, to cover the treatment of conditions relating to gender dysphoria and gender incongruence; (2) authorize those policies and plans to prescribe requirements that must be satisfied before the insurer will cover surgical treatment for conditions relating to gender dysphoria or gender incongruence for persons who are less than 18 years of age; and (3) require an insurer to consult with a provider of health care with experience in prescribing or delivering gender-affirming treatment when considering certain appeals of a denial of coverage. Sections 1.6, 3.6, 4.6, 6.6, 7.6, 8.6, 11.6 and 15.6 of this bill prohibit an insurer from engaging in certain discrimination on the basis of gender identity or expression. Sections 2, 5, 9 and 12 of this bill make conforming changes to indicate the proper placement of sections 1.3, 1.6, 4, 4.6, 8, 8.6, 15 and 15.6 in the Nevada Revised Statutes. Section 10 of this bill authorizes the Commissioner of Insurance to suspend or revoke the certificate of a health maintenance organization that fails to comply with the requirements of sections 8 and 8.6. The Commissioner would also be authorized to take such action against other health insurers who fail to comply with the requirements of sections 1.3, 1.6, 3, 3.6, 4, 4.6, 6, 6.6, 7, 7.6, 11 and 11.6. (NRS 680A.200) Sections 16 and 17 of this bill make appropriations to the Division of Health Care Financing and Policy of the Department of Health and Human Services and authorize certain related expenditures for: (1) the costs of providing the coverage under Medicaid required by section 15; and (2) certain other costs associated with carrying out the provisions of this bill.

Statutes affected:
As Introduced: 689A.330, 689C.425, 695C.050, 695C.330, 232.320, 287.010, 287.04335
Reprint 1: 689A.330, 689C.425, 695C.050, 695C.330, 232.320, 287.010, 287.04335
Reprint 2: 689A.330, 689C.425, 695C.050, 695C.330, 232.320, 287.010, 287.04335
As Enrolled: 689A.330, 689C.425, 695C.050, 695C.330, 232.320, 287.010, 287.04335
BDR: 689A.330, 689C.425, 695C.050, 695C.330, 232.320, 287.010, 287.04335