A.B. 511
- *AB511*
ASSEMBLY BILL NO. 511–COMMITTEE
ON COMMERCE AND LABOR
MARCH 24, 2025
____________
Referred to Committee on Commerce and Labor
SUMMARY—Revises provisions relating to insurance.
(BDR 57-697)
FISCAL NOTE: Effect on Local Government: No.
Effect on the State: No.
~
EXPLANATION – Matter in bolded italics is new; matter between brackets [omitted material] is material to be omitted.
AN ACT relating to insurance; revising provisions relating to
reimbursement for certain treatment and services provided
by certain providers of health care; and providing other
matters properly relating thereto.
Legislative Counsel’s Digest:
Existing law entitles an insured to reimbursement for treatment by a 1
chiropractic physician if a policy of individual health insurance, policy of group 2
and blanket health insurance, nonprofit corporation contract for hospital, medical 3
and dental services or evidence of coverage of a health maintenance organization 4
provides coverage for treatment of an illness which is within the authorized scope 5
of practice of a qualified chiropractic physician. Existing law also contains similar 6
provisions applicable to: (1) a person who performs acupuncture; (2) a licensed 7
psychologist; (3) a licensed marriage and family therapist or licensed clinical 8
professional counselor; (4) a licensed associate in social work, social worker, 9
master social worker, independent social worker or clinical social worker; (5) a 10
licensed podiatrist; (6) a licensed clinical drug and alcohol counselor; and (7) 11
certain registered nurses under certain circumstances. (NRS 608.1575, 689A.0475-12
689A.0495, 689B.038-689B.0397, 689B.045, 689B.049, 695B.1951-695B.199, 13
695C.1765-695C.179) Sections 1-33 of this bill revise those provisions to instead 14
require that the provider who provided treatment to the insured is the person who is 15
entitled to reimbursement for the treatment provided. 16
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THE PEOPLE OF THE STATE OF NEVADA, REPRESENTED IN
SENATE AND ASSEMBLY, DO ENACT AS FOLLOWS:
Section 1. NRS 689A.0475 is hereby amended to read as 1
follows: 2
689A.0475 If any policy of health insurance provides coverage 3
for acupuncture performed by a physician, [the insured is entitled to 4
reimbursement for acupuncture performed by] a person who is 5
licensed pursuant to chapter 634A of NRS [.] and performs 6
acupuncture on the insured is entitled to reimbursement for the 7
acupuncture performed. 8
Sec. 2. NRS 689A.048 is hereby amended to read as follows: 9
689A.048 If any policy of health insurance provides coverage 10
for treatment [of an illness] which is within the authorized scope of 11
the practice of a qualified psychologist, [the insured is entitled to 12
reimbursement for treatments by] a licensed psychologist [.] who 13
provides such treatment to the insured is entitled to reimbursement 14
for the treatment provided. 15
Sec. 3. NRS 689A.0483 is hereby amended to read as follows: 16
689A.0483 If any policy of health insurance provides coverage 17
for treatment [of an illness] which is within the authorized scope of 18
practice of a licensed marriage and family therapist or licensed 19
clinical professional counselor, [the insured is entitled to 20
reimbursement for treatment by] a marriage and family therapist or 21
clinical professional counselor who is licensed pursuant to chapter 22
641A of NRS [.] and who provides such treatment to the insured is 23
entitled to reimbursement for the treatment provided. 24
Sec. 4. NRS 689A.0485 is hereby amended to read as follows: 25
689A.0485 If any policy of health insurance provides coverage 26
for treatment [of an illness] which is within the authorized scope of 27
the practice of a licensed associate in social work, a social worker, a 28
master social worker, an independent social worker or a clinical 29
social worker, [the insured is entitled to reimbursement for 30
treatment by] an associate in social work, a social worker, a master 31
social worker, an independent social worker or a clinical social 32
worker who is licensed pursuant to chapter 641B of NRS [.] and 33
who provides such treatment to the insured is entitled to 34
reimbursement for the treatment provided. 35
Sec. 5. NRS 689A.0487 is hereby amended to read as follows: 36
689A.0487 1. If any policy of health insurance provides 37
coverage for treatment [of an illness] which is within the authorized 38
scope of practice of a qualified podiatrist, [the insured is entitled to 39
reimbursement for treatments by] a podiatrist who is licensed 40
pursuant to chapter 635 of NRS [.] and who provides such 41
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treatment to the insured is entitled to reimbursement for the 1
treatment provided. 2
2. The terms of the policy must not limit: 3
(a) Coverage for treatments by a podiatrist to a number less than 4
for treatments by other physicians. 5
(b) Reimbursement for treatments by a podiatrist to an amount 6
less than that reimbursed for similar treatments by other physicians. 7
Sec. 6. NRS 689A.049 is hereby amended to read as follows: 8
689A.049 1. If any policy of health insurance provides 9
coverage for treatment [of an illness] which is within the authorized 10
scope of practice of a qualified chiropractic physician, [the insured 11
is entitled to reimbursement for treatments by] a chiropractic 12
physician who is licensed pursuant to chapter 634 of NRS [.] and 13
who provides such treatment to the insured is entitled to 14
reimbursement for the treatment provided. 15
2. The terms of the policy must not limit: 16
(a) Coverage for treatments by a chiropractic physician to a 17
number less than for treatments by other physicians. 18
(b) Reimbursement for treatments by a chiropractic physician to 19
an amount less than that reimbursed for similar treatments by other 20
physicians. 21
Sec. 7. NRS 689A.0493 is hereby amended to read as follows: 22
689A.0493 If any policy of health insurance provides coverage 23
for treatment [of an illness] which is within the authorized scope of 24
practice of a licensed clinical alcohol and drug counselor, [the 25
insured is entitled to reimbursement for treatment by] a clinical 26
alcohol and drug counselor who is licensed pursuant to chapter 27
641C of NRS [unless] and who provides such treatment to the 28
insured is entitled to reimbursement for the treatment provided, 29
including, without limitation, if the clinical alcohol and drug 30
counselor must be directly reimbursed pursuant to: 31
1. An assignment of benefits described in NRS 687B.409; or 32
2. Any other applicable assignment of benefits. 33
Sec. 8. NRS 689A.0495 is hereby amended to read as follows: 34
689A.0495 1. If any policy of health insurance provides 35
coverage for services which are within the authorized scope of 36
practice of a registered nurse who is authorized pursuant to chapter 37
632 of NRS to perform additional acts in an emergency or under 38
other special conditions as prescribed by the State Board of Nursing, 39
and which are reimbursed when provided by another provider of 40
health care, [the insured is entitled to reimbursement for services 41
provided by such] a registered nurse [.] who provides such services 42
to the insured is entitled to reimbursement for the services 43
provided. 44
2. The terms of the policy must not limit: 45
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(a) Coverage for services provided by such a registered nurse to 1
a number of occasions less than for services provided by another 2
provider of health care. 3
(b) Reimbursement for services provided by such a registered 4
nurse to an amount less than that reimbursed for similar services 5
provided by another provider of health care. 6
3. An insurer is not required to pay for services provided by 7
such a registered nurse which duplicate services provided by another 8
provider of health care. 9
Sec. 9. NRS 689B.038 is hereby amended to read as follows: 10
689B.038 If any policy of group health insurance provides 11
coverage for treatment [of an illness] which is within the authorized 12
scope of the practice of a qualified psychologist, [the insured is 13
entitled to reimbursement for treatment by] a licensed psychologist 14
[.] who provides such treatment to the insured is entitled to 15
reimbursement for the treatment provided. 16
Sec. 10. NRS 689B.0383 is hereby amended to read as 17
follows: 18
689B.0383 If any policy of group health insurance provides 19
coverage for treatment [of an illness] which is within the authorized 20
scope of practice of a licensed marriage and family therapist or 21
licensed clinical professional counselor, [the insured is entitled to 22
reimbursement for treatment by] a marriage and family therapist or 23
clinical professional counselor who is licensed pursuant to chapter 24
641A of NRS [.] and who provides such treatment to the insured is 25
entitled to reimbursement for the treatment provided. 26
Sec. 11. NRS 689B.0385 is hereby amended to read as 27
follows: 28
689B.0385 If any policy of group health insurance provides 29
coverage for treatment [of an illness] which is within the authorized 30
scope of the practice of a licensed associate in social work, a social 31
worker, a master social worker, an independent social worker or a 32
clinical social worker, [the insured is entitled to reimbursement for 33
treatment by an associate in social work,] a social worker, a master 34
social worker, an independent social worker or a clinical social 35
worker who is licensed pursuant to chapter 641B of NRS [.] and 36
who provides such treatment to the insured is entitled to 37
reimbursement for the treatment provided. 38
Sec. 12. NRS 689B.039 is hereby amended to read as follows: 39
689B.039 1. If any group policy of health insurance provides 40
coverage for treatment [of an illness] which is within the authorized 41
scope of practice of a qualified chiropractic physician, [the insured 42
is entitled to reimbursement for treatments by] a chiropractic 43
physician who is licensed pursuant to chapter 634 of NRS [.] and 44
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who provides such treatment to the insured is entitled to 1
reimbursement for the treatment provided. 2
2. The terms of the policy must not limit: 3
(a) Coverage for treatments by a chiropractic physician to a 4
number less than for treatments by other physicians. 5
(b) Reimbursement for treatments by a chiropractic physician to 6
an amount less than that charged for similar treatments by other 7
physicians. 8
Sec. 13. NRS 689B.0393 is hereby amended to read as 9
follows: 10
689B.0393 1. If any group policy of health insurance 11
provides coverage for treatment [of an illness] which is within the 12
authorized scope of practice of a qualified podiatrist, [the insured is 13
entitled to reimbursement for treatments by] a podiatrist who is 14
licensed pursuant to chapter 635 of NRS [.] and who provides such 15
treatment to the insured is entitled to reimbursement for the 16
treatment provided. 17
2. The terms of the policy must not limit: 18
(a) Coverage for treatments by a podiatrist to a number less than 19
for treatments by other physicians. 20
(b) Reimbursement for treatments by a podiatrist to an amount 21
less than that reimbursed for similar treatments by other physicians. 22
Sec. 14. NRS 689B.0397 is hereby amended to read as 23
follows: 24
689B.0397 If any policy of group health insurance provides 25
coverage for treatment [of an illness] which is within the authorized 26
scope of practice of a licensed clinical alcohol and drug counselor, 27
[the insured is entitled to reimbursement for treatment by] a clinical 28
alcohol and drug counselor who is licensed pursuant to chapter 29
641C of NRS [unless] and who provides such treatment to the 30
insured is entitled to reimbursement for the treatment provided, 31
including, without limitation, if the clinical alcohol and drug 32
counselor must be directly reimbursed pursuant to: 33
1. An assignment of benefits described in NRS 687B.409; or 34
2. Any other applicable assignment of benefits. 35
Sec. 15. NRS 689B.045 is hereby amended to read as follows: 36
689B.045 1. If any group policy of health insurance provides 37
coverage for services which are within the authorized scope of 38
practice of a registered nurse who is authorized pursuant to chapter 39
632 of NRS to perform additional acts in an emergency or under 40
other special conditions as prescribed by the State Board of Nursing, 41
and which are reimbursed when provided by another provider of 42
health care, [the insured is entitled to reimbursement for services 43
provided by such] a registered nurse [.] who provides such services 44
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to the insured is entitled to reimbursement for the services 1
provided. 2
2. The terms of the policy must not limit: 3
(a) Coverage for services provided by such a registered nurse to 4
a number of occasions less than for services provided by another 5
provider of health care. 6
(b) Reimbursement for services provided by such a registered 7
nurse to an amount less than that reimbursed for similar services 8
provided by another provider of health care. 9
3. An insurer is not required to pay for services provided by 10
such a registered nurse which duplicate services provided by another 11
provider of health care. 12
Sec. 16. NRS 689B.049 is hereby amended to read as follows: 13
689B.049 If any policy of group health insurance provides 14
coverage for acupuncture performed by a physician, [the insured is 15
entitled to reimbursement for acupuncture performed by] a person 16
who is licensed pursuant to chapter 634A of NRS [.] and performs 17
acupuncture on the insured is entitled to reimbursement for the 18
acupuncture performed. 19
Sec. 17. NRS 695B.1951 is hereby amended to read as 20
follows: 21
695B.1951 1. If any contract for hospital or medical services 22
provides coverage for treatment [of an illness] which is within the 23
authorized scope of practice of a qualified podiatrist, [the insured is 24
entitled to reimbursement for treatments by] a podiatrist who is 25
licensed pursuant to chapter 635 of NRS [.] and who provides such 26
treatment to the insured is entitled to reimbursement for the 27
treatment provided. 28
2. The terms of the policy must not limit: 29
(a) Coverage for treatments by a podiatrist to a number less than 30
for treatments by other physicians. 31
(b) Reimbursement for treatments by a podiatrist to an amount 32
less than that reimbursed for similar treatments by other physicians. 33
Sec. 18. NRS 695B.1955 is hereby amended to read as 34
follows: 35
695B.1955 If any contract for hospital or medical service 36
provides coverage for treatment [of an illness] which is within the 37
authorized scope of practice of a licensed clinical alcohol and drug 38
counselor, [the insured is entitled to reimbursement for treatment 39
by] a clinical alcohol and drug counselor who is licensed pursuant to 40
chapter 641C of NRS [unless] and who provides such treatment to 41
the insured is entitled to reimbursement for the treatment 42
provided, including, without limitation, if the clinical alcohol and 43
drug counselor must be directly reimbursed pursuant to: 44
1. An assignment of benefits described in NRS 687B.409; or 45
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2. Any other applicable assignment of benefits. 1
Sec. 19. NRS 695B.196 is hereby amended to read as follows: 2
695B.196 If any contract for hospital or medical services 3
provides coverage for acupuncture performed by a physician, [the 4
insured is entitled to reimbursement for acupuncture performed by] 5
a person who is licensed pursuant to chapter 634A of NRS [.] and 6
performs acupuncture on the insured is entitled to reimbursement 7
for the acupuncture performed. 8
Sec. 20. NRS 695B.197 is hereby amended to read as follows: 9
695B.197 If any contract for hospital or medical service 10
provides coverage for treatment [of an illness] which is within the 11
authorized scope of the practice of a qualified psychologist, [the 12
insured is entitled to reimbursement for treatments by] a licensed 13
psychologist [.] who provides such treatment to the insured is 14
entitled to reimbursement for the treatment provided. 15
Sec. 21. NRS 695B.1973 is hereby amended to read as 16
follows: 17
695B.1973 If any contract for hospital or medical service 18
provides coverage for treatment [of an illness] which is within the 19
authorized scope of practice of a licensed marriage and family 20
therapist or licensed clinical professional counselor, [the insured is 21
entitled to reimbursement for treatment by] a marriage and family 22
therapist or clinical professional counselor who is licensed pursuant 23
to chapter 641A of NRS [.] and who provides such treatment to the 24
insured is entitled to reimbursement for the treatment provided. 25
Sec. 22. NRS 695B.1975 is hereby amended to read as 26
follows: 27
695B.1975 If any contract for hospital or medical service 28
provides coverage for treatment [of an illness] which is within the 29
authorized scope of the practice of a licensed associate in social 30
work, social worker, master social worker, independent social 31
worker or clinical social worker, [the insured is entitled to 32
reimbursement for treatment by] an associate in social work, social 33
worker, master social worker, independent social worker or clinical 34
social worker who is licensed pursuant to chapter 641B of NRS [.] 35
and who provides such treatment to the insured is entitled to 36
reimbursement for the treatment provided. 37
Sec. 23. NRS 695B.198 is hereby amended to read as follows: 38
695B.198 1. If any contract for hospital or medical service 39
provides coverage for treatment [of an illness] which is within the 40
authorized scope of practice of a qualified chiropractic physician, 41
[the insured is entitled to reimbursement for treatments by] a 42
chiropractic physician who is licensed pursuant to chapter 634 of 43
NRS [.] and who provides such treatment to the insured is entitled 44
to reimbursement for the treatment provided. 45
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2. The terms of the policy must not limit: 1
(a) Coverage for treatments by a chiropractic physician to a 2
number less than for treatments by other physicians. 3
(b) Reimbursement for treatments by a chiropractic physician to 4
an amount less than that charged for similar treatments by other 5
physicians. 6
Sec. 24. NRS 695B.199 is hereby amended to read as follows: 7
695B.199 1. If any contract for medical service provides 8
coverage for services which are within the authorized scope of 9
practice of a registered nurse who is authorized pursuant to chapter 10
632 of NRS to perform additional acts in an emergency or under 11
other special conditions as prescribed by the State Board of Nursing, 12
and which are reimbursed when provided by another provider of 13
health care, [the insured is entitled to reimbursement for services 14
provided by such] a registered nurse [.] who provides such services 15
to the insured is entitled to reimbursement for the services 16
provided. 17
2. The terms of the contract must not limit: 18
(a) Coverage for services provided by such a registered nurse to 19
a number of occasions less than for services provided by another 20
provider of health care. 21
(b) Reimbursement for services provided by such a registered 22
nurse to an amount less than that reimbursed for similar services 23
provided by another provider of health care. 24
3. An insurer is not required to pay for services provided by 25
such a registered nurse which duplicate services provided by another 26
provider of health care. 27
Sec. 25. NRS 695C.1765 is hereby amended to read as 28
follows: 29
695C.1765 If any evidence of coverage provides coverage for 30
acupuncture performed by a physician, [the insured is entitled to 31
reimbursement for acupuncture performed by] a person who is 32
licensed pursuant to chapter 634A of NRS [.] and performs 33
acupuncture on the insured is entitled to reimbursement for the 34
acupuncture performed. 35
Sec. 26. NRS 695C.177 is hereby amended to read as follows: 36
695C.177 If any evidence of coverage provides coverage for 37
treatment [of an illness] which is within the authorized scope of the 38
practice of a qualified psychologist, [the insured is entitled to 39
reimbursement for treatments by] a licensed psychologist [.] who 40
provides such treatment to the insured is entitled to reimbursement 41
for the treatment provided. 42
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Sec. 27. NRS 695C.1773 is hereby amended to read as 1
follows: 2
695C.1773 If any evidence of coverage provides coverage for 3
treatment [of an illness] which is within the authorized scope of 4
practice of a licensed marriage and family therapist or licensed 5
clinical professional counselor, [the insured is entitled to 6
reimbursement for treatment by] a marriage and family therapist or 7
clinical professional counselor who is licensed pursuant to chapter 8
641A of NRS [.] and who provides such treatment to the insured is 9
entitled to reimbursement for the treatment provided. 10
Sec. 28. NRS 695C.1775 is hereby amended to read as 11
follows: 12
695C.1775 If any evidence of coverage provides coverage for 13
treatment [of an illness] which is within the authorized scope of the 14
practice of a licensed associate in social work, a social worker, a 15
master social worker, an independent social worker or a clinical 16
social worker, [the insured is entitled to reimbursement for 17
treatment by] an associate in social work, a social worker, a master 18
social worker, an independent social worker or a clinical social 19
worker who is licensed pursuant to chapter 641B of NRS [.] and 20
who provides such treatment to the insured is entitled to 21
reimbursement for the treatment provided. 22
Sec. 29. NRS 695C.178 is hereby amended to read as follows: 23
695C.178 1. If any evidence of coverage provides coverage 24
for treatment [of an illness] which is within the authorized scope of 25
practice of a qualified chiropractic physician, [the insured is entitled 26
to reimbursement for treatments by] a chiropractic physician who is 27
licensed pursuant to chapter 634 of NRS [.] and who provides such 28
treatment to the insured is entitled to reimbursement for the 29
treatment provided. 30
2. The terms of the policy must not limit: 31
(a) Coverage for treatments by a chiropractic physician to a 32
number less than for treatments by other physicians. 33
(b) Reimbursement for treatments by a chiropractic physician to 34
an amount less than that charged for similar treatments by other 35
physicians. 36
Sec. 30. NRS 695C.1783 is hereby amended to read as 37
follows: 38
695C.1783 1. If any evidence of coverage provides coverage 39
for treatment [of an illness] which is within the authorized scope of 40
practice of a qualified podiatrist, [the insured is entitled to 41
reimbursement for treatments by] a podiatrist who is licensed 42
pursuant to chapter 635 of NRS [.] and who provides such 43
treatment to the insured is entitled to reimbursement for the 44
treatment provided. 45
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2. The terms of the policy must not limit: 1
(a) Coverage for treatments by a podiatrist to a number less than 2
for treatments by other physicians. 3
(b) Reimbursement for treatments by a podiatrist to an amount 4
less than that reimbursed for similar treatments by other physicians. 5
Sec. 31. NRS 695C.1789 is hereby amended to read as 6
follows: 7
695C.1789 If any evidence of coverage provides coverage for 8
treatment [of an illness] which is within the authorized scope of 9
practice of a licensed clinical alcohol and drug counselor, [the 10
insured is entitled to reimbursement for treatment by] a clinical 11
alcohol and drug counselor who is licensed pursuant to chapter 12
641C of NRS [unless] and who provides such treatment to the 13
insured is entitled to reimbursement for the treatment provided, 14
including, without limitation, if the clinical alcohol and drug 15
counselor must be directly reimbursed pursuant to: 16
1. An assignment of benefits described in NRS 687B.409; or 17
2. Any other applicable assignment of benefits. 18
Sec. 32. NRS 695C.179 is hereby amended to read as follows: 19
695C.179 1. If any evidence of coverage provides coverage 20
for services which are within the authorized scope of practice of a 21
registered nurse who is authorized pursuant to chapter 632 of NRS 22
to perform additional acts in an emergency or under other special 23
conditions as prescribed by the State Board of Nursing, and which 24
are reimbursed when provided by another provider of health care, 25
[the insured is entitled to reimbursement for services provided by 26
such] a registered nurse [.] who provides such services to the 27
insured is entitled to reimbursement for the services provided. 28
2. The terms of the evidence of coverage must not limit: 29
(a) Coverage for services provided by such a registered nurse to 30
a number of occasions less than for services provided by another 31
provider of health care. 32
(b) Reimbursement for services provided by such a registered 33
nurse to an amount less than that reimbursed for similar services 34
provided by another provider of health care. 35
3. An insurer is not required to pay for services provided by 36
such a registered nurse which duplicate services provided by another 37
provider of health care. 38
Sec. 33. NRS 608.1575 is hereby amended to read as follows: 39
608.1575 1. If an employer provides health benefits for his or 40
her employees which include coverage for services which are within 41
the authorized scope of practice of a registered nurse who is 42
authorized pursuant to chapter 632 of NRS to perform additional 43
acts in an emergency or under other special conditions as prescribed 44
by the State Board of Nursing, and which are reimbursed when 45
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provided by another provider of health care, [the employees are 1
entitled to reimbursement for services provided by such] a registered 2
nurse [.] who provides such services to an employee is entitled to 3
reimbursement for the services provided. 4
2. The benefits provided by the employer must not limit: 5
(a) Coverage for services provided by such a registered nurse to 6
a number of occasions less than for services provided by another 7
provider of health care. 8
(b) Reimbursement for services provided by such a registered 9
nurse to an amount less than that reimbursed for similar services 10
provided by another provider of health care. 11
3. The employer is not required to pay for services provided by 12
such a registered nurse which duplicate services provided by another 13
provider of health care. 14
Sec. 34. This act becomes effective on January 1, 2026. 15
H