# Nev. Rev. Stat. § 689A.043: Policy covering family on expense-incurred basis required to include certain coverage for insured’s newly born and adopted children and children placed with insured for adoption

> Nevada · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_NV_T57_C689A_S689A.043

## Section

- **Citation:** Nev. Rev. Stat. § 689A.043
- **Heading:** Policy covering family on expense-incurred basis required to include certain coverage for insured’s newly born and adopted children and children placed with insured for adoption
- **Jurisdiction:** Nevada
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** NV Code / Title 57 / Chapter 689A / Section 689A.043

## Text

1. All individual health insurance policies providing family coverage on an expense-incurred basis must as to family members' coverage provide that the health benefits applicable for children are payable with respect to: (a) A newly born child of the insured from the moment of birth; (b) An adopted child from the date the adoption becomes effective, if the child was not placed in the home before adoption; and (c) A child placed with the insured for the purpose of adoption from the moment of placement as certified by the public or private agency making the placement. The coverage of such a child ceases if the adoption proceedings are terminated as certified by the public or private agency making the placement. The policies must provide the coverage specified in subsection 3 and must not exclude premature births.

2. The policy or contract may require that notification of: (a) The birth of a newly born child; (b) The effective date of adoption of a child; or (c) The date of placement of a child for adoption, and payments of the required premium or fees, if any, must be furnished to the insurer within 31 days after the date of birth, adoption or placement for adoption in order to have the coverage continue beyond the 31-day period.

3. The coverage for newly born and adopted children and children placed for adoption consists of coverage of injury or sickness, including the necessary care and treatment of medically diagnosed congenital defects and birth abnormalities and, within the limits of the policy, necessary transportation costs from place of birth to the nearest specialized treatment center under major medical policies, and with respect to basic policies to the extent such costs are charged by the treatment center.

## Nearby sections

- [Nev. Rev. Stat. § 689A.010 Short title](https://www.frixlaw.com/law-library/statutes/STATE_NV_T57_C689A_S689A.010.md)
- [Nev. Rev. Stat. § 689A.020 Scope](https://www.frixlaw.com/law-library/statutes/STATE_NV_T57_C689A_S689A.020.md)
- [Nev. Rev. Stat. § 689A.030 General requirements](https://www.frixlaw.com/law-library/statutes/STATE_NV_T57_C689A_S689A.030.md)
- [Nev. Rev. Stat. § 689A.032 Insurer required to offer and issue plan regardless of health status of persons; prohibited acts](https://www.frixlaw.com/law-library/statutes/STATE_NV_T57_C689A_S689A.032.md)
- [Nev. Rev. Stat. § 689A.033 Insurer prohibited from discriminating against person with respect to participation or coverage on basis of gender identity or expression](https://www.frixlaw.com/law-library/statutes/STATE_NV_T57_C689A_S689A.033.md)
- [Nev. Rev. Stat. § 689A.035 Contracts between insurer and provider of health care: Prohibiting insurer from charging provider of health care fee for inclusion on list of providers given to insureds; insurer required to use form to obtain information on provider of health care; modification; submission by insurer of schedule of payments to provider](https://www.frixlaw.com/law-library/statutes/STATE_NV_T57_C689A_S689A.035.md)
- [Nev. Rev. Stat. § 689A.040 Contents of policy; substitution of provisions; captions; omission or modification of provisions](https://www.frixlaw.com/law-library/statutes/STATE_NV_T57_C689A_S689A.040.md)
- [Nev. Rev. Stat. § 689A.041 Coverage relating to mastectomy required in policy covering mastectomies; prohibited acts](https://www.frixlaw.com/law-library/statutes/STATE_NV_T57_C689A_S689A.041.md)
- [Nev. Rev. Stat. § 689A.042 Policy containing exclusion, reduction or limitation of coverage relating to complications of pregnancy prohibited; exception](https://www.frixlaw.com/law-library/statutes/STATE_NV_T57_C689A_S689A.042.md)
- [Nev. Rev. Stat. § 689A.043 Policy covering family on expense-incurred basis required to include certain coverage for insured’s newly born and adopted children and children placed with insured for adoption](https://www.frixlaw.com/law-library/statutes/STATE_NV_T57_C689A_S689A.043.md)
- [Nev. Rev. Stat. § 689A.044 Coverage for certain tests and vaccines relating to human papillomavirus required; prohibited acts](https://www.frixlaw.com/law-library/statutes/STATE_NV_T57_C689A_S689A.044.md)
- [Nev. Rev. Stat. § 689A.046 Benefits for treatment of alcohol or substance use disorder required](https://www.frixlaw.com/law-library/statutes/STATE_NV_T57_C689A_S689A.046.md)
- [Nev. Rev. Stat. § 689A.048 Treatment by licensed psychologist](https://www.frixlaw.com/law-library/statutes/STATE_NV_T57_C689A_S689A.048.md)
- [Nev. Rev. Stat. § 689A.049 Treatment by licensed chiropractic physician; restriction on policy limitations](https://www.frixlaw.com/law-library/statutes/STATE_NV_T57_C689A_S689A.049.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_NV_T57_C689A_S689A.043. Check the current official text before relying on it. Not legal advice.