Nevada Revised Statutes
Chapter 695A - Fraternal Benefit Societies
NRS 695A.265 - Coverage for services provided through telehealth required to same extent and in same amount as though provided in person or by other means; exception; prohibited acts. [Effective through 1 year after the date on which the Governor ter...


1. A benefit contract must include coverage for services provided to an insured through telehealth to the same extent and, except for services provided through audio-only interaction, in the same amount as though provided in person or by other means.
2. A society shall not:
(a) Require an insured to establish a relationship in person with a provider of health care or provide any additional consent to or reason for obtaining services through telehealth as a condition to providing the coverage described in subsection 1;
(b) Require a provider of health care to demonstrate that it is necessary to provide services to an insured through telehealth or receive any additional type of certification or license to provide services through telehealth as a condition to providing the coverage described in subsection 1;
(c) Refuse to provide the coverage described in subsection 1 because of:
(1) The distant site from which a provider of health care provides services through telehealth or the originating site at which an insured receives services through telehealth; or
(2) The technology used to provide the services;
(d) Require covered services to be provided through telehealth as a condition to providing coverage for such services; or
(e) Categorize a service provided through telehealth differently for purposes relating to coverage or reimbursement than if the service had been provided in person or through other means.
3. A benefit contract must not require an insured to obtain prior authorization for any service provided through telehealth that is not required for the service when provided in person. A benefit contract may require prior authorization for a service provided through telehealth if such prior authorization would be required if the service were provided in person or by other means.
4. The provisions of this section do not require a society to:
(a) Ensure that covered services are available to an insured through telehealth at a particular originating site;
(b) Provide coverage for a service that is not a covered service or that is not provided by a covered provider of health care; or
(c) Enter into a contract with any provider of health care or cover any service if the society is not otherwise required by law to do so.
5. A benefit contract subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after October 1, 2021, has the legal effect of including the coverage required by this section, and any provision of the contract or the renewal which is in conflict with this section is void.
6. As used in this section:
(a) "Distant site" has the meaning ascribed to it in NRS 629.515.
(b) "Originating site" has the meaning ascribed to it in NRS 629.515.
(c) "Provider of health care" has the meaning ascribed to it in NRS 439.820.
(d) "Telehealth" has the meaning ascribed to it in NRS 629.515.
(Added to NRS by 2015, 641; A 2021, 3028)

1. A benefit contract must include coverage for services provided to an insured through telehealth to the same extent and, for mental health services except when such services are provided through audio-only interaction, in the same amount as though provided in person or by other means.
2. A society shall not:
(a) Require an insured to establish a relationship in person with a provider of health care or provide any additional consent to or reason for obtaining services through telehealth as a condition to providing the coverage described in subsection 1;
(b) Require a provider of health care to demonstrate that it is necessary to provide services to an insured through telehealth or receive any additional type of certification or license to provide services through telehealth as a condition to providing the coverage described in subsection 1;
(c) Refuse to provide the coverage described in subsection 1 because of:
(1) The distant site from which a provider of health care provides services through telehealth or the originating site at which an insured receives services through telehealth; or
(2) The technology used to provide the services;
(d) Require covered services to be provided through telehealth as a condition to providing coverage for such services;
(e) Categorize a service provided through telehealth differently for purposes relating to coverage than if the service had been provided in person or through other means; or
(f) Categorize a mental health service provided through telehealth, other than through audio-only interaction, differently for purposes relating to reimbursement than if the service had been provided in person or by other means.
3. A benefit contract must not require an insured to obtain prior authorization for any service provided through telehealth that is not required for the service when provided in person. A benefit contract may require prior authorization for a service provided through telehealth if such prior authorization would be required if the service were provided in person or by other means.
4. The provisions of this section do not require a society to:
(a) Ensure that covered services are available to an insured through telehealth at a particular originating site;
(b) Provide coverage for a service that is not a covered service or that is not provided by a covered provider of health care; or
(c) Enter into a contract with any provider of health care or cover any service if the society is not otherwise required by law to do so.
5. A benefit contract subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after October 1, 2021, has the legal effect of including the coverage required by this section, and any provision of the contract or the renewal which is in conflict with this section is void.
6. As used in this section:
(a) "Distant site" has the meaning ascribed to it in NRS 629.515.
(b) "Originating site" has the meaning ascribed to it in NRS 629.515.
(c) "Provider of health care" has the meaning ascribed to it in NRS 439.820.
(d) "Telehealth" has the meaning ascribed to it in NRS 629.515.
(Added to NRS by 2015, 641; A 2021, 3028, effective on the date 1 year after the date on which the Governor terminates the emergency described in the Declaration of Emergency for COVID-19 issued on March 12, 2020, only if the Governor terminates that emergency before July 1, 2022)

1. A benefit contract must include coverage for services provided to an insured through telehealth to the same extent as though provided in person or by other means.
2. A society shall not:
(a) Require an insured to establish a relationship in person with a provider of health care or provide any additional consent to or reason for obtaining services through telehealth as a condition to providing the coverage described in subsection 1;
(b) Require a provider of health care to demonstrate that it is necessary to provide services to an insured through telehealth or receive any additional type of certification or license to provide services through telehealth as a condition to providing the coverage described in subsection 1;
(c) Refuse to provide the coverage described in subsection 1 because of:
(1) The distant site from which a provider of health care provides services through telehealth or the originating site at which an insured receives services through telehealth; or
(2) The technology used to provide the services;
(d) Require covered services to be provided through telehealth as a condition to providing coverage for such services; or
(e) Categorize a service provided through telehealth differently for purposes relating to coverage than if the service had been provided in person or through other means.
3. A benefit contract must not require an insured to obtain prior authorization for any service provided through telehealth that is not required for the service when provided in person. A benefit contract may require prior authorization for a service provided through telehealth if such prior authorization would be required if the service were provided in person or by other means.
4. The provisions of this section do not require a society to:
(a) Ensure that covered services are available to an insured through telehealth at a particular originating site;
(b) Provide coverage for a service that is not a covered service or that is not provided by a covered provider of health care; or
(c) Enter into a contract with any provider of health care or cover any service if the society is not otherwise required by law to do so.
5. A benefit contract subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after October 1, 2021, has the legal effect of including the coverage required by this section, and any provision of the contract or the renewal which is in conflict with this section is void.
6. As used in this section:
(a) "Distant site" has the meaning ascribed to it in NRS 629.515.
(b) "Originating site" has the meaning ascribed to it in NRS 629.515.
(c) "Provider of health care" has the meaning ascribed to it in NRS 439.820.
(d) "Telehealth" has the meaning ascribed to it in NRS 629.515.
(Added to NRS by 2015, 641; A 2021, 3028, 3030, 3031, effective July 1, 2023, only if the Governor terminates the emergency described in the Declaration of Emergency for COVID-19 issued on March 12, 2020, before July 1, 2022)

1. A benefit contract must include coverage for services provided to an insured through telehealth to the same extent as though provided in person or by other means.
2. A society shall not:
(a) Require an insured to establish a relationship in person with a provider of health care or provide any additional consent to or reason for obtaining services through telehealth as a condition to providing the coverage described in subsection 1;
(b) Require a provider of health care to demonstrate that it is necessary to provide services to an insured through telehealth or receive any additional type of certification or license to provide services through telehealth as a condition to providing the coverage described in subsection 1;
(c) Refuse to provide the coverage described in subsection 1 because of:
(1) The distant site from which a provider of health care provides services through telehealth or the originating site at which an insured receives services through telehealth; or
(2) The technology used to provide the services;
(d) Require covered services to be provided through telehealth as a condition to providing coverage for such services; or
(e) Categorize a service provided through telehealth differently for purposes relating to coverage than if the service had been provided in person or through other means.
3. A benefit contract must not require an insured to obtain prior authorization for any service provided through telehealth that is not required for the service when provided in person. A benefit contract may require prior authorization for a service provided through telehealth if such prior authorization would be required if the service were provided in person or by other means.
4. The provisions of this section do not require a society to:
(a) Ensure that covered services are available to an insured through telehealth at a particular originating site;
(b) Provide coverage for a service that is not a covered service or that is not provided by a covered provider of health care; or
(c) Enter into a contract with any provider of health care or cover any service if the society is not otherwise required by law to do so.
5. A benefit contract subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after October 1, 2021, has the legal effect of including the coverage required by this section, and any provision of the contract or the renewal which is in conflict with this section is void.
6. As used in this section:
(a) "Distant site" has the meaning ascribed to it in NRS 629.515.
(b) "Originating site" has the meaning ascribed to it in NRS 629.515.
(c) "Provider of health care" has the meaning ascribed to it in NRS 439.820.
(d) "Telehealth" has the meaning ascribed to it in NRS 629.515.
(Added to NRS by 2015, 641; A 2021, 3028, 3030, 3031, effective June 30, 2023, only if the Governor terminates the emergency described in the Declaration of Emergency for COVID-19 issued on March 12, 2020, on or after July 1, 2022)

Structure Nevada Revised Statutes

Nevada Revised Statutes

Chapter 695A - Fraternal Benefit Societies

NRS 695A.001 - Definitions.

NRS 695A.003 - "Benefit contract" defined.

NRS 695A.004 - "Benefit member" defined.

NRS 695A.006 - "Certificate" defined.

NRS 695A.010 - "Fraternal benefit society" defined.

NRS 695A.014 - "Insurer" defined.

NRS 695A.016 - "Laws" defined.

NRS 695A.018 - "Lodge" defined.

NRS 695A.020 - "Lodge system" defined.

NRS 695A.023 - "Medicaid" defined.

NRS 695A.027 - "Order for medical coverage" defined.

NRS 695A.030 - "Premiums" defined.

NRS 695A.040 - "Representative form of government" defined.

NRS 695A.042 - "Rules" defined.

NRS 695A.044 - "Society" defined.

NRS 695A.050 - Organization: Preparation and contents of articles of incorporation.

NRS 695A.060 - Organization: Filing of documents and bond with Commissioner; preliminary certificate of authority.

NRS 695A.070 - Organization: Solicitation of members; collection of advance premiums; reports to Commissioner.

NRS 695A.080 - Certificate of authority: Issuance and renewal; effect; record; copies; fees.

NRS 695A.090 - General powers and duties of society.

NRS 695A.095 - Contracts between society and provider of health care: Prohibiting society from charging provider of health care fee for inclusion on list of providers given to insureds; society required to use form to obtain information on provider o...

NRS 695A.110 - Unincorporated or voluntary association prohibited from transacting business as society.

NRS 695A.120 - Location of principal office; meetings of supreme governing body; minutes of certain proceedings; official publications; grievances by benefit members.

NRS 695A.130 - Consolidation; merger.

NRS 695A.140 - Conversion of fraternal benefit society into mutual life insurer.

NRS 695A.150 - Qualifications for and rights and privileges of membership.

NRS 695A.151 - Effect of eligibility for medical assistance under Medicaid on eligibility for coverage; assignment of rights to state agency.

NRS 695A.152 - Society required to comply with certain provisions concerning portability and availability of health insurance.

NRS 695A.153 - Society prohibited from asserting certain grounds to deny enrollment of child of insured pursuant to order.

NRS 695A.155 - Certain accommodations required to be made by society when child is covered under policy of noncustodial parent.

NRS 695A.157 - Society required to authorize enrollment of child of parent who is required by order to provide medical coverage under certain circumstances; termination of coverage of child.

NRS 695A.159 - Society prohibited from restricting coverage of child based on preexisting condition when person who is eligible for group coverage adopts or assumes legal obligation for child.

NRS 695A.160 - Amendment of laws of society: Manner; approval by Commissioner; provision to members.

NRS 695A.180 - Scope of contractual benefits.

NRS 695A.184 - Benefit contract covering prescription drugs prohibited from limiting or excluding coverage for prescription drug previously approved for medical condition of insured; exception.

NRS 695A.1843 - Coverage for drugs, laboratory testing and certain services related to human immunodeficiency virus required; reimbursement of pharmacist for certain services.

NRS 695A.1845 - Coverage for certain tests and vaccines relating to human papillomavirus required; prohibited acts.

NRS 695A.1853 - Coverage for screening, genetic counseling and testing related to BRCA gene required in certain circumstances. [Effective January 1, 2022.]

NRS 695A.1855 - Coverage for mammograms for certain women required; prohibited acts.

NRS 695A.1856 - Coverage for examination of person who is pregnant for certain diseases required.

NRS 695A.1857 - Benefit contract covering maternity care: Prohibited acts by society if insured is acting as gestational carrier; child deemed child of intended parent for purposes of benefit contract.

NRS 695A.1865 - Coverage for drug or device for contraception and related health services required in benefit contract covering prescription drugs or devices; prohibited acts; exceptions. [Effective through December 31, 2021.] Coverage for drug or de...

NRS 695A.1873 - Coverage for management and treatment of sickle cell disease and its variants required; coverage for medically necessary prescription drugs to treat sickle cell disease and its variants required in benefit contract covering prescripti...

NRS 695A.1875 - Coverage for certain services, screenings and tests relating to wellness required; prohibited acts.

NRS 695A.188 - Approval or denial of claim; interest on unpaid claim; request for additional information; payment of claim; costs and attorney’s fees.

NRS 695A.195 - Society prohibited from denying coverage solely because claim involves act that constitutes domestic violence or applicant or insured was victim of domestic violence.

NRS 695A.197 - Society prohibited from denying coverage solely because applicant or insured was intoxicated or under the influence of controlled substance; exceptions.

NRS 695A.200 - Nonforfeiture benefits, cash surrender values, certificate loans and other options.

NRS 695A.210 - Beneficiaries; funeral benefits.

NRS 695A.220 - Benefits not liable to attachment, garnishment or other process.

NRS 695A.230 - Terms and conditions of benefit contracts.

NRS 695A.232 - Society required to offer and issue plan regardless of health status of persons; prohibited acts.

NRS 695A.235 - Offering policy of health insurance for purposes of establishing health savings account.

NRS 695A.240 - Approval and contents of certificates.

NRS 695A.255 - Benefit contract covering prescription drugs: Provision of notice and information regarding use of formulary.

NRS 695A.257 - Benefit contract covering prescription drugs: Required actions by society related to acquisition of prescription drugs for certain insureds residing in area for which emergency or disaster has been declared.

NRS 695A.259 - Benefit contract covering prescription drug for treatment of cancer or cancer symptom that is part of step therapy protocol: Society required to allow insured or attending practitioner to apply for exemption from step therapy protocol...

NRS 695A.261 - Benefit contract covering anatomical gifts, organ transplants or treatments or services related to organ transplants: Prohibited acts by society if insured is person with disability.

NRS 695A.265 - Coverage for services provided through telehealth required to same extent and in same amount as though provided in person or by other means; exception; prohibited acts. [Effective through 1 year after the date on which the Governor ter...

NRS 695A.270 - Authority to prohibit in society’s laws waiver of provisions of society’s laws.

NRS 695A.280 - Reinsurance.

NRS 695A.300 - Foreign or alien society: License required to transact business; required information.

NRS 695A.310 - Injunction against, liquidation of or appointment of receiver for domestic society.

NRS 695A.320 - Suspension, revocation or refusal of license of foreign or alien society.

NRS 695A.330 - Licensing of insurance agents of society; persons exempt from licensing.

NRS 695A.400 - Service of process on society.

NRS 695A.410 - Injunctions against societies.

NRS 695A.420 - Judicial review of Commissioner’s findings and decisions.

NRS 695A.430 - Assets, funds and accounts of society.

NRS 695A.440 - Investments.

NRS 695A.450 - Annual statement of financial condition, transactions and affairs: Filing; fee; contents; provision to members; valuation of certificates.

NRS 695A.460 - Annual statement of financial condition, transactions and affairs: Penalties for failure to file properly.

NRS 695A.475 - Liability of directors, officers, employees, members and volunteers; indemnification and reimbursement of directors, officers, employees and agents.

NRS 695A.490 - Standards of valuation for certificates; excess reserves.

NRS 695A.500 - Examination of societies transacting or applying to transact business in State.

NRS 695A.530 - Applicability of provisions relating to trade practices and frauds.

NRS 695A.550 - Exemption of societies from certain taxes.

NRS 695A.555 - Nonexemption of societies from certain fees.

NRS 695A.560 - Exemption of societies from other insurance laws; exceptions.

NRS 695A.570 - Applicability of chapter; effect of exemption.

NRS 695A.580 - Penalties.