Free Nevada Accident & Health practice questions

Answer: D. 13 years of age or older

NRS 689B.0316 sets two different age rules in the same subsection. Testing, treatment and prevention of sexually transmitted diseases must be covered for all insureds regardless of age, but the unrestricted condom coverage applies to insureds 13 years of age or older. Ages 16 and 18 are not the threshold the statute states, and saying no threshold applies confuses the condom benefit with the testing and treatment benefit.

Answer: C. They must equal the amounts the policy provided at the time of the mastectomy

Nevada's group mastectomy provision protects the benefit level for reconstruction that starts soon after the mastectomy. When reconstructive surgery begins within 3 years after the mastectomy, the benefits must equal those the policy provided when the mastectomy was performed, so the later amendment does not reduce them. Applying the terms in effect at the time of the reconstructive surgery is the rule only when surgery begins more than 3 years after the mastectomy. The provision calls for neither a lesser-of comparison nor a reduction for elapsed time.

Answer: B. Within 30 days after the election

Nev. Rev. Stat. Sec. 686C.223(2)(c) requires the association and each reinsurer to work out the net balance owed to or by the association under each agreement, measured as of the election date, within 30 days after the election. The 5-day period in the same paragraph is the time to pay that balance once the calculation is complete, not to calculate it. The 60-day period in paragraph (d) is the time within which the association pays premiums due so that the reinsurer may not terminate the agreement or set off unpaid premium. The calculation period runs from the election, not from the coverage date.

Answer: D. Not fewer than 7 and not more than 11 members

Nev. Rev. Stat. Sec. 686C.140(1) sets the Board of Directors at not less than 7 nor more than 11 members, serving terms established in the plan of operation. The 5-to-9 and 9-to-15 ranges are not the statutory range. A board of exactly 7 members all appointed by the Commissioner is also wrong: under the same section, the members who represent member insurers are selected by member insurers subject to the Commissioner's approval, and the Commissioner appoints the two public representatives.

Answer: B. July 1, 30 days after the proclamation

Under Nev. Rev. Stat. Sec. 689B.0304(1)(a), the insurer must waive a refill-timing restriction for an insured in the declared area who has refills remaining and asks for the refill by the end of the emergency or 30 days after the proclamation, whichever is later. The emergency ends June 20, and 30 days after June 1 is July 1. July 1 is the later date, so it controls, and June 20 is therefore not the deadline. Fifteen days is one of the increments in which the Commissioner may extend the periods, not the base deadline, and no extension was granted here. The statute does not count 30 days from the end of the emergency.

Answer: C. It does not take effect unless both parties agree to it in writing

Nevada lets an insurer change a provider's payment schedule on its own only by giving the provider 45 days' written notice. If the provider makes no written objection during those 45 days, the change becomes effective when the period ends; a timely written objection means the change cannot take effect unless both parties execute a written agreement to it. The physician objected within the period, so the April 15 date would apply only if no objection had been made. Notice alone does not make the change effective on delivery, and the section sets a 45-day period, not 30 days.

Answer: A. That releasing them will not harm the investigation or the person investigated

Nevada law makes records and information the Division holds about a Commissioner's investigation confidential, subject to listed exceptions. One exception lets the Commissioner release all or part of them for public inspection after determining that release will not harm the investigation or the person being investigated. The same paragraph also allows release on a finding that it serves the interests of a policyholder, the insurer's shareholders or the public, and a court may order release separately. A request by the person investigated, the age of the investigation, or a producer's name appearing in the file is not among the grounds the statute lists.

Answer: D. A seller that holds a valid seller's certificate of authority

Nevada makes it unlawful for anyone to solicit the sale of a prepaid contract in the state on behalf of a seller unless that person holds a valid agent's license from the Commissioner, but the requirement does not apply to a seller holding a valid seller's certificate of authority. The seller itself is therefore the person exempt. An employee soliciting for the seller needs the license whatever the method of contact, and a commissioned salesperson is also soliciting on the seller's behalf. An insurance consultant license is not the agent's license the statute requires. Soliciting without the license exposes the person to an administrative fine of up to $1,000 for each violation.

Answer: B. At least 20 days, stating the date, time, place and matters to be considered

Unless a different period is expressly provided, Nevada law requires the Commissioner to give written notice of a hearing at least 20 days in advance. The notice must state the date, time and place and specify the matters to be considered. Ten days falls short of the minimum, and 60 days overstates it; 60 days appears in the hearing statute as the window for filing an application and for holding a requested hearing, not as the notice period. A 20-day notice that omits the matters to be considered fails the content requirement even though the timing is right.

Answer: A. The insurer may not nonrenew the policy because of the insured's declining mental health

The law prohibits canceling, nonrenewing or otherwise terminating a long-term care policy on grounds of the insured's age or the deterioration of the insured's mental or physical health, so worsening dementia is not a permitted basis. Giving notice does not make a prohibited ground permissible, and age is itself a prohibited ground. The prohibition applies to any long-term care policy, whatever label its renewal provision carries.