by a physician as medically necessary for the treatment of a person described in paragraph (a). 2. The coverage required by subsection 1 must be provided whether or not the condition existed when the policy was purchased. 3. A policy subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after January 1, 1998, has the legal effect of including the coverage required by this section, and any provision of the policy or the renewal which is in conflict with this section is void. 4. As used in this section: (a) “Inherited metabolic disease” means a disease caused by an inherited abnormality of the body chemistry of a person. (b) “Special food product” means a food product that is specially formulated to have less than one gram of protein per serving and is intended to be consumed under the direction of a physician for the dietary treatment of an inherited metabolic disease. The term does not include a food that is naturally low in protein. (Added to NRS by 1997, 1526) NRS 689A.0425 Individual health benefit plan that includes coverage for maternity care and pediatric care: Requirement to allow minimum stay in hospital in connection with childbirth; prohibited acts. 1. Except as otherwise provided in this subsection, an individual health benefit plan issued pursuant to this chapter that includes coverage for maternity care and pediatric care for newborn infants may not restrict benefits for any length of stay in a hospital in connection with childbirth for a mother or newborn infant covered by the plan to: (a) Less than 48 hours after a normal vaginal delivery; and (b) Less than 96 hours after a cesarean section. If a different length of stay is provided in the guidelines established by the American College of Obstetricians and Gynecologists, or its successor organization, and the American Academy of Pediatrics, or its successor organization, the individual health benefit plan may follow such guidelines in lieu of following the length of stay set forth above. The provisions of this subsection do not apply to any individual health benefit plan in any case in which the decision to discharge the mother or newborn infant before the expiration of the minimum length of stay set forth in this subsection is made by the attending physician of the mother or newborn infant. 2. Nothing in this section requires a mother to: (a) Deliver her baby in a hospital; or (b) Stay in a hospital for a fixed period following the birth of her child. 3. An individual health benefit plan that offers coverage for maternity care and pediatric care of newborn infants may not: (a) Deny a mother or her newborn infant coverage or continued coverage under the terms of the plan or coverage if the sole purpose of the denial of coverage or continued coverage is to avoid the requirements of this section; (b) Provide monetary payments or rebates to a mother to encourage her to accept less than the minimum protection available pursuant to this section; (c) Penalize, or otherwise reduce or limit, the reimbursement of an attending provider of health care because he provided care to a mother or newborn infant in accordance with the provisions of this section; (d) Provide incentives of any kind to an attending physician to induce him to provide care to a mother or newborn infant in a manner that is inconsistent with the provisions of this section; or (e) Except as otherwise provided in subsection 4, restrict benefits for any portion of a hospital stay required pursuant to the provisions of this section in a manner that is less favorable than the benefits provided for any preceding portion of that stay. 4. Nothing in this section: (a) Prohibits an individual health benefit plan from imposing a deductible, coinsurance or other mechanism for sharing costs relating to benefits for hospital stays in connection with childbirth for a mother or newborn child covered by the plan, except that such coinsurance or other mechanism for sharing costs for any portion of a hospital stay required by this section may not be greater than the coinsurance or other mechanism for any preceding portion of that stay. (b) Prohibits an arrangement for payment between an individual health benefit plan and a provider of health care that uses capitation or other financial incentives, if the arrangement is designed to provide services efficiently and consistently in the best interest of the mother and her newborn infant. (c) Prevents an individual health benefit plan from negotiating with a provider of health care concerning the level and type of reimbursement to be provided in accordance with this section. (Added to NRS by 1997, 2898) NRS 689A.0427 Coverage for management and treatment of diabetes. 1. No policy of health insurance that provides coverage for hospital, medical or surgical expenses may be delivered or issued for delivery in this state unless the policy includes coverage for the management and treatment of diabetes, including, without limitation, coverage for the self-management of diabetes. 2. An insurer who delivers or issues for delivery a policy specified in subsection 1: (a) Shall include in the disclosure required pursuant to NRS 689A.390 notice to each policyholder and subscriber under the policy of the availability of the benefits required by this section. (b) Shall provide the coverage required by this section subject to the same deductible, copayment, coinsurance and other such conditions for coverage that are required under the policy. 3. A policy of health insurance subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after January 1, 1998, has the legal effect of including the coverage required by this section, and any provision of the policy that conflicts with this section is void. 4. As used in this section: (a) “Coverage for the management and treatment of diabetes” includes coverage for medication, equipment, supplies and appliances that are medically necessary for the treatment of diabetes. (b) “Coverage for the self-management of diabetes” includes: (1) The training and education provided to an insured person after he is initially diagnosed with diabetes which is medically necessary for the care and management of diabetes, including, without limitation, counseling in nutrition and the proper use of equipment and supplies for the treatment of diabetes; (2) Training and education which is medically necessary as a result of a subsequent diagnosis that indicates a significant change in the symptoms or condition of the insured person and which requires modification of his program of self-management of diabetes; and (3) Training and education which is medically necessary because of the development of new techniques and treatment for diabetes. (c) “Diabetes” includes type I, type II and gestational diabetes. (Added to NRS by 1997, 742) NRS 689A.043 Coverage of newly born and adopted children and children placed for adoption. 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

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