{"data":{"id":"us-nv/nrs-689c.197","jurisdiction":"us-nv","citation":"NRS 689C.197","heading":"Carrier prohibited from denying coverage because applicant or insured was intoxicated or under influence of controlled substance; exceptions.","body":"1. Except as otherwise provided in subsection 2, a carrier shall not:\n(a) Deny a claim under a health benefit plan solely because the claim involves an injury sustained by an insured as a consequence of being intoxicated or under the influence of a controlled substance.\n(b) Cancel participation under a health benefit plan solely because an insured has made a claim involving an injury sustained by the insured as a consequence of being intoxicated or under the influence of a controlled substance.\n(c) Refuse participation under a health benefit plan to an eligible applicant solely because the applicant has made a claim involving an injury sustained by the applicant as a consequence of being intoxicated or under the influence of a controlled substance.\n2. The provisions of subsection 1 do not prohibit a carrier from enforcing a provision included in a health benefit plan to:\n(a) Deny a claim which involves an injury to which a contributing cause was the insured’s commission of or attempt to commit a felony;\n(b) Cancel participation in a health benefit plan solely because of such a claim; or\n(c) Refuse participation in a health benefit plan to an eligible applicant solely because of such a claim.\n3. The provisions of this section do not apply to a carrier under a health benefit plan that provides coverage for long-term care or disability income.","path":["TITLE 57 — INSURANCE","CHAPTER 689C - HEALTH INSURANCE FOR SMALL EMPLOYERS","HEALTH BENEFIT PLANS"],"source_url":"https://www.leg.state.nv.us/NRS/NRS-689C.html#NRS689CSec197","current_through":"2025 session (NRS as revised 2026-08-25)","vintage":"","retrieved_at":"2026-09-03T05:51:46Z","sha256":"7ed4ed513c5af35c228a257f1850104237c2d1a825b997d109b714d551edbb92","source_id":"us-nv","stale":true,"prev":"us-nv/nrs-689c.196","next":"us-nv/nrs-689c.1975"},"notice":"GroundRules: Original legal text. Not legal advice."}