Nevada Revised Statutes
Chapter 695A - Fraternal Benefit Societies
NRS 695A.570 - Applicability of chapter; effect of exemption.


1. Nothing contained in this chapter shall be construed to affect or apply to:
(a) Grand or subordinate lodges of societies, orders or associations now doing business in this state which provide benefits exclusively through local or subordinate lodges;
(b) Orders, societies or associations which admit to membership only persons engaged in one or more crafts or hazardous occupations, in the same or similar lines of business, insuring only their own members and their families and the ladies’ societies or ladies’ auxiliaries to such orders, societies or associations;
(c) Domestic societies which limit their membership to employees of a particular city or town, designated firm, business house or corporation which provide for a death benefit of not more than $400 or disability benefits of not more than $350 to any person in any 1 year, or both; or
(d) Domestic societies or associations of a purely religious, charitable or benevolent description, which provide for a death benefit of not more than $400 or for disability benefits of not more than $350 to any one person in any 1 year, or both.
2. Any society or association described in paragraphs (c) or (d) of subsection 1 which provides for death or disability benefits for which benefit certificates are issued, and any such society or association included in paragraph (d) of subsection 1 which has more than 1,000 members, shall not be exempted from the provisions of this chapter but shall comply with all requirements thereof.
3. No society which, by the provisions of this section, is exempt from the requirements of this chapter, except any society described in paragraph (b) of subsection 1, shall give or allow, or promise to give or allow, to any person any compensation for procuring new members.
4. Every society which provides for benefits in case of death or disability resulting solely from accident and which does not obligate itself to pay natural death or sick benefits shall have all of the privileges and be subject to all the applicable provisions and regulations of this chapter, except that the provisions thereof relating to medical examination, valuations of benefit certificates and incontestability shall not apply to such society.
5. The Commissioner may require from any society or association, by examination or otherwise, such information as will enable the Commissioner to determine whether such society or association is exempt from the provisions of this chapter.
6. Societies, exempted under the provisions of this section, shall also be exempt from all other provisions of the insurance laws of this state.
(Added to NRS by 1971, 1861)

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.