17 Free Nevada Life & Health Practice Questions: Nevada Health Insurance Law (2026)

Question 1 (Chapter 8)

A Nevada resident, Sarah, gives birth to a daughter with a congenital heart defect. Sarah is covered under an individual health insurance policy. When does the coverage for her newborn daughter begin, and what is the requirement for continuing that coverage?

• A) Coverage begins 14 days after birth, provided the insurer is notified within 31 days.
• B) Coverage begins at the moment of birth and is automatically permanent without further notification or premium adjustment.
• C) Coverage begins only after the first well-baby checkup is completed and documented.
• D) Coverage begins at the moment of birth, but Sarah must notify the insurer and pay any required premium within 31 days to continue coverage beyond that period.

Question 2 (Chapter 8)

In Nevada, a Long-Term Care policy is prohibited from defining 'pre-existing conditions' more restrictively than a condition for which medical advice or treatment was recommended by or received from a provider within:

• A) 6 months preceding the effective date of coverage.
• B) 3 months preceding the effective date of coverage.
• C) 12 months preceding the effective date of coverage.
• D) 24 months preceding the effective date of coverage.

Question 3 (Chapter 8)

A producer in Carson City is assisting a client in replacing an existing Medicare Supplement policy. The producer must provide the applicant with a 'Notice Regarding Replacement.' This is required to:

• A) Inform the applicant that they may be losing certain benefits or credits for pre-existing conditions.
• B) Ensure the producer receives a higher commission for the new policy.
• C) Notify the Nevada Secretary of State of the transaction.
• D) Automatically cancel the client's Social Security benefits.

Question 4 (Chapter 8)

Under Nevada law, which of the following is considered a 'Preventive Healthcare Service' that must typically be covered without cost-sharing in a compliant health plan?

• A) Routine immunizations for children.
• B) Emergency room visits for a broken arm.
• C) Elective cosmetic rhinoplasty.
• D) Prescription sunglasses.

Question 5 (Chapter 8)

A Nevada resident is applying for a Medicare Supplement policy during their 'Open Enrollment' period. The insurer:

• A) Must issue the policy regardless of the applicant's health status and cannot charge a higher premium due to health problems.
• B) May deny coverage based on the applicant's health history.
• C) Can only issue the policy if the applicant passes a physical exam.
• D) May exclude all pre-existing conditions for the life of the policy.

Question 6 (Chapter 8)

An insured in Reno has a dependent child who is reaching the limiting age for coverage but is incapable of self-sustaining employment due to an intellectual disability. Under NRS 689B.035, within how many days of the child reaching the limiting age must the insured provide proof of the child's incapacity to the insurer?

• A) 15 days
• B) 60 days
• C) 90 days
• D) 31 days

Question 7 (Chapter 8)

A woman in Las Vegas undergoes a mastectomy and subsequently seeks reconstructive surgery. Under NRS 689A.041, which of the following must the insurer cover in addition to the reconstruction of the breast on which the mastectomy was performed?

• A) Surgery on the other breast to produce a symmetrical appearance
• B) Only the affected breast and no other procedures
• C) Reconstruction only if the mastectomy was performed within the last 12 months
• D) Cosmetic enhancements to other areas of the body requested by the patient

Question 8 (Chapter 8)

A Nevada Long-Term Care (LTC) policy is being issued to a resident of Carson City. Which of the following provisions is PROHIBITED under Nevada LTC regulations?

• A) Offering a waiver of premium provision
• B) Including a 90-day elimination period
• C) Providing benefits for home health care
• D) Conditioning benefits on a prior 3-day stay in a hospital

Question 9 (Chapter 8)

Under Nevada's mental health parity requirements (NRS 687B.404), if a health plan provides unlimited visits for primary care physicians, it must also provide:

• A) At least 10 visits for mental health providers
• B) Coverage for mental health only if the patient is hospitalized
• C) Coverage for mental health only if the provider is a psychiatrist
• D) Unlimited visits for outpatient mental health providers

Question 10 (Chapter 8)

A Nevada resident has a group health insurance policy through their employer in Reno. The employee has a 27-year-old child with a permanent physical disability who is unable to work and remains living at home. Under NRS 689B.035, the insurer asks for proof of the child's incapacity. How often may the insurer require such proof after the initial two-year period following the child's attainment of the limiting age?

• A) Annually
• B) Every 6 months
• C) Once every two years
• D) Never, once the initial disability is established

Question 11 (Chapter 8)

A Nevada health insurance policy provides coverage for the treatment of alcohol and drug abuse. According to NRS 687B.404, the cost-sharing requirements (such as deductibles and copayments) for these services must be:

• A) Higher than those for physical illness to discourage abuse
• B) Waived entirely for the first 30 days of treatment
• C) No more restrictive than the cost-sharing requirements for medical and surgical services
• D) Determined solely by the employer in a group plan

Question 12 (Chapter 8)

Under Nevada law, a health insurance policy that covers dependent children must continue coverage for a child who is incapable of self-sustaining employment due to an intellectual disability. What is the requirement regarding the child's status at the time they reach the limiting age?

• A) The child must have been hospitalized within the last year.
• B) The child must be receiving Social Security Disability (SSDI) benefits.
• C) The child must have been covered as a dependent on the parent's policy at the time they reached the limiting age.
• D) The child must be enrolled in a state-approved vocational program.

Question 13 (Chapter 8)

Under Nevada's mental health parity laws (NRS 687B.404), if a health plan provides coverage for both medical/surgical benefits and mental health/substance abuse benefits, it must ensure that:

• A) The lifetime dollar limit for mental health is at least $100,000.
• B) The insured must first exhaust all medical benefits before using mental health benefits.
• C) There are no separate deductibles that apply only to mental health or substance abuse benefits.
• D) Mental health benefits are only provided through an HMO.

Question 14 (Chapter 8)

Which of the following is a 'Preventive Healthcare Service' that must be covered by Nevada health policies for children without cost-sharing?

• A) Cosmetic orthodontics
• B) Routine immunizations as recommended by the CDC
• C) Elective sports physicals for private clubs
• D) Experimental weight-loss supplements

Question 15 (Chapter 8)

A Nevada health insurer offers a plan that provides unlimited office visits for physical injuries but limits office visits for the treatment of alcohol abuse to 10 per year. This plan is likely in violation of which principle under NRS 687B.404?

• A) The Principle of Indemnity
• B) Mental Health and Substance Use Disorder Parity
• C) The Reasonable Expectations Doctrine
• D) The Entire Contract Provision

Question 16 (Chapter 8)

A Nevada insured undergoes a mastectomy and subsequently develops lymphedema (swelling) in her arm. According to NRS 689A.041, the insurer must cover:

• A) The mastectomy only; complications are covered under a separate rider.
• B) Physical complications of all stages of the mastectomy, including lymphedema.
• C) Treatment for lymphedema only if it occurs within 30 days of surgery.
• D) Nothing, as lymphedema is considered a chronic condition rather than an acute surgical result.

Question 17 (Chapter 8)

A Nevada policyholder undergoes a radical mastectomy due to breast cancer. According to Nevada law regarding reconstructive surgery (NRS 689A.041), which of the following must the insurer also cover?

• A) Only the surgery on the diseased breast.
• B) Surgery on the other breast, but only if that breast also shows signs of malignancy.
• C) Cosmetic reconstruction, but only if the insured pays a separate 'aesthetic rider' premium.
• D) Reconstruction of the breast on which the mastectomy was performed and surgery on the other breast to produce a symmetrical appearance.