NAC689B.080. Limiting benefits to certain employer’s groups for preexisting conditions.

     1. An insurer offering an association to an employer’s group with less than 25 members may limit its benefits from those benefits offered pursuant to NRS 689B.065, if the insurer has filed a plan with the Commissioner which expressly provides for exclusions from coverage for preexisting conditions and the exclusions:

     (a) Do not exceed a period of more than 12 months from the effective date of the policy; and

     (b) Limit payment for medical treatment to less than $1,000 for each preexisting condition for the 12-month period.

     2. The employer shall sign and date a copy of a notice calling the exclusions and reductions in benefits to his attention. A copy of the signed disclosure must be maintained by the agent for 3 years after the policy is issued or renewed pursuant to NRS 683A.351.

     3. For the purpose of this section, “preexisting condition” means a medical condition of a person for which he has received treatment during the 12 months preceding the effective date of the policy.

     4. The provisions of this section do not modify the employer’s duty to notify his employees of these exclusions as a reduction in benefits pursuant to subsection 2 of NRS 689B.065.

     (Added to NAC by Comm’r of Insurance, eff. 10-12-88)