Nevada Revised Statutes
Chapter 686B - Rates and Essential Insurance
NRS 686B.125 - Limitation on rates for coverage for dental care; exception.


1. Except as otherwise provided in this section, no insurer, organization or person licensed pursuant to this title may sell or offer to sell any contract providing coverage for dental care at a rate which is excessive for the benefits offered to the insured or member. For the purpose of this section, a ratio of losses to premiums collected which is less than 75 percent is presumed to show an excessive rate.
2. The provisions of subsection 1 do not apply to a contract providing coverage for dental care that is sold to a small employer pursuant to the provisions of chapter 689C of NRS.
3. As used in this section, "small employer" has the meaning ascribed to it in NRS 689C.095.
(Added to NRS by 1983, 2028; A 2013, 3606)

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Structure Nevada Revised Statutes

Nevada Revised Statutes

Chapter 686B - Rates and Essential Insurance

NRS 686B.010 - Construction and purposes.

NRS 686B.020 - Definitions.

NRS 686B.030 - Applicability.

NRS 686B.040 - Exemptions.

NRS 686B.045 - Waiver for state innovation of applicable provisions of Patient Protection and Affordable Care Act; implementation of state plan.

NRS 686B.050 - Standards.

NRS 686B.060 - Determination of whether rates comply with standards.

NRS 686B.070 - Filing of rates, forms of related policies and supplementary information and any changes and amendments thereof with Commissioner.

NRS 686B.080 - Filing and supporting information open to public inspection; copies; exceptions.

NRS 686B.090 - Rates and supplementary information: Established based on factors or through modified use of rate service organization in certain circumstances.

NRS 686B.100 - Filing of supporting data.

NRS 686B.110 - Approval or disapproval of rate proposals for kind or line of insurance other than health plans: Procedure; regulations.

NRS 686B.112 - Approval or disapproval of rate filing for health plan: Procedure; regulations; assessment of costs.

NRS 686B.115 - Hearing on rates open to public; cost for transcripts; public testimony.

NRS 686B.117 - Intervention in hearing on rates.

NRS 686B.119 - Notice to policyholders by insurer of material change in premiums based upon change in zip code of policyholder by United States Postal Service; regulations.

NRS 686B.125 - Limitation on rates for coverage for dental care; exception.

NRS 686B.130 - Licensing of rate service organization and advisory organization: Required to provide services relating to rates of certain insurance; services of rate service organization and advisory organization required to be offered to any insure...

NRS 686B.140 - Licensing of rate service organization and advisory organization: Application; issuance, expiration and renewal of license. [Effective until the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish p...

NRS 686B.143 - Payment of child support: Statement by applicant for license; grounds for denial of license; duty of Commissioner. [Effective until the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures...

NRS 686B.147 - Suspension of license for failure to pay child support or comply with certain subpoenas or warrants; reinstatement of license. [Effective until the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establis...

NRS 686B.150 - Binding agreements by insurers relating to rates and rules.

NRS 686B.160 - Rules providing statistical plans for use by insurers in recording and reporting of experience; authorized designation of rate service organization to assist Commissioner in gathering and compiling experience for availability to public...

NRS 686B.170 - Examination of service organizations by Commissioner.

NRS 686B.175 - Commissioner authorized to assess insurers for state contribution for federally reinsured losses.

NRS 686B.1751 - Definitions.

NRS 686B.1752 - "Advisory Organization" defined.

NRS 686B.1753 - "Basic premium rate" defined.

NRS 686B.1754 - "Classification of risks" defined.

NRS 686B.1755 - "Expenses" defined.

NRS 686B.1757 - "Industrial insurance" defined.

NRS 686B.1759 - "Insurer" defined.

NRS 686B.17595 - "Large-deductible agreement" defined.

NRS 686B.176 - "Plan for rating experience" defined.

NRS 686B.17605 - "Prospective loss cost" defined.

NRS 686B.1761 - "Rate" defined.

NRS 686B.1762 - "Willful" defined.

NRS 686B.1763 - Applicability of provisions; Commissioner required to administer provisions.

NRS 686B.1764 - Designation as statistical agent; duties.

NRS 686B.17645 - Duty to file with Commissioner formula to assess insurers for certain costs; approval of formula.

NRS 686B.1765 - Powers.

NRS 686B.1767 - Prohibited acts by advisory organization.

NRS 686B.1769 - Uniform Plan for Rating Experience: Requirements; use.

NRS 686B.177 - Rating information to be filed with Commissioner; approval of rates.

NRS 686B.1771 - Insurer not required to issue policy of industrial insurance to any particular employer; plan for apportionment among insurers of persons entitled to insurance who have not been accepted by an insurer; approval of rates for plan by Co...

NRS 686B.1772 - Insurers required to adhere to Uniform System of Classifications of Risks and Uniform Plan for Rating Experience; filing with and approval by Commissioner of subclassifications for Uniform System of Classification.

NRS 686B.1773 - Insurers required to record and report certain information and adhere to manual of rules and Uniform Plan for Rating Experience.

NRS 686B.1774 - Commissioner required to determine whether interaction among insurers and employers for buying and selling industrial insurance is competitive.

NRS 686B.1775 - Filing of rates, supplementary rate information and supporting data by insurer with Commissioner; findings of Commissioner.

NRS 686B.1777 - Circumstances under which Commissioner authorized to require supporting information regarding rates and required to hold hearing related to disapproval of rates.

NRS 686B.1779 - Disapproval of rates: Authority of Commissioner; required grounds.

NRS 686B.178 - Disapproval of rates: Commissioner required to issue written order stating reasons for disapproval and date by which insurer must discontinue use of rate.

NRS 686B.1781 - Payment of dividends: Prohibition against discrimination among policyholders; submission of plan for payments and other requirements related to industrial insurance.

NRS 686B.1782 - Agreements to lessen competition among insurers prohibited; insurers prohibited from agreeing to rates established in manner that conflicts with provisions.

NRS 686B.1783 - Maintenance of records by insurer, advisory organization or plan for apportioned risks; examination of records by Commissioner.

NRS 686B.1784 - Examination of insurer, advisory organization or plan for apportioned risks by Commissioner; exception; cost of examination.

NRS 686B.1785 - Request for reconsideration of rates by Advisory Organization or insurer; appeal.

NRS 686B.1786 - Large-deductible agreements: Applicability.

NRS 686B.17863 - Large-deductible agreements: Full collateralization required; size of obligations limited.

NRS 686B.17867 - Large-deductible agreements: Insurer in hazardous financial condition prohibited from issuing or renewing policy containing large-deductible agreement; exception.

NRS 686B.1787 - Insurer or advisory organization authorized to request hearing before Commissioner related to order made or action taken by Commissioner without hearing.

NRS 686B.1789 - Provisions governing hearing.

NRS 686B.179 - Revocation or suspension of license.

NRS 686B.1793 - Penalties.

NRS 686B.1797 - Insurer prohibited from withholding or giving false or misleading information to Commissioner or Advisory Organization.

NRS 686B.1799 - Limitation on liability of insurer or rating organization acting within scope of employment.

NRS 686B.180 - Unavailability of essential coverage; plans for providing coverage; regulations.

NRS 686B.185 - Immunity of Commissioner and association.

NRS 686B.200 - Voluntary plan for sharing risks: Submission to and approval by Commissioner.

NRS 686B.210 - Nevada Essential Insurance Association: Establishment; membership; plan of operation; regulations.

NRS 686B.220 - Nevada Essential Insurance Association: Membership and reimbursement of Board of Directors; submission to and approval or adoption of plan of operation by Commissioner.

NRS 686B.230 - Nevada Essential Insurance Association: General powers.

NRS 686B.240 - Nevada Essential Insurance Association: Powers of Commissioner and Association.

NRS 686B.250 - Nevada Essential Insurance Association: Immunity from liability.

NRS 686B.260 - Conversion into domestic stock insurer: "Insured" defined.

NRS 686B.270 - Conversion into domestic stock insurer: Applicability of certain provisions governing nonprofit cooperative corporations.

NRS 686B.280 - Conversion into domestic stock insurer: Filing and contents of notice of intent to qualify.

NRS 686B.290 - Conversion into domestic stock insurer: Notice to insurers and insureds; hearing.

NRS 686B.300 - Conversion into domestic stock insurer: Determination of percentage of stock for each insured.

NRS 686B.310 - Conversion into domestic stock insurer: Capitalization.

NRS 686B.320 - Conversion into domestic stock insurer: Issuance of certificate of authority.

NRS 686B.330 - Conversion into domestic mutual insurer or domestic reciprocal insurer: "Insured" defined.

NRS 686B.340 - Conversion into domestic mutual insurer or domestic reciprocal insurer: Exemption from applicability of NRS 81.130 and 81.510.

NRS 686B.350 - Conversion into domestic mutual insurer or domestic reciprocal insurer: Filing and contents of notice of intent to qualify.

NRS 686B.360 - Conversion into domestic mutual insurer or domestic reciprocal insurer: Notice to insurers and insured; hearing; compliance with certain provisions for qualification.

NRS 686B.370 - Conversion into domestic mutual insurer or domestic reciprocal insurer: Issuance of certificate of authority.