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. (Added to NRS by 1975, 1109; A 1989, 739) NRS 689A.045 Termination of coverage on dependent child. 1. Any health insurance policy delivered or issued for delivery after November 1, 1973, which provides for the termination of coverage on a dependent child of a policyholder when such child attains a contractually specified limiting age shall also provide that such coverage shall not terminate when the dependent child reaches such age if such child is and continues to be: (a) Incapable of self-sustaining employment due to a physical handicap or mental retardation; and (b) Dependent on the policyholder for support and maintenance. 2. Proof of such child’s incapacity and dependency shall be furnished to the insurer by the policyholder within 31 days after such child attains the specified limiting age and as often as the insurer may thereafter require, but no more than once a year beginning 2 years after such child attains the specified limiting age. (Added to NRS by 1973, 546) NRS 689A.0455 Coverage for treatment of conditions relating to severe mental illness. 1. Notwithstanding any provisions of this Title to the contrary, a policy of health insurance delivered or issued for delivery in this state pursuant to this chapter must provide coverage for the treatment of conditions relating to severe mental illness. 2. The coverage required by this section: (a) Must provide: (1) Benefits for at least 40 days of hospitalization as an inpatient per policy year and 40 visits for treatment as an outpatient per policy year, excluding visits for the management of medication; and (2) That two visits for partial or respite care, or a combination thereof, may be substituted for each 1 day of hospitalization not used by the insured. In no event is the policy required to provide coverage for more than 40 days of hospitalization as an inpatient per policy year. (b) Is not required to provide benefits for psychosocial rehabilitation or care received as a custodial inpatient. 3. Any deductibles and copayments required to be paid for the coverage required by this section must not be greater than 150 percent of the out-of-pocket expenses required to be paid for medical and surgical benefits provided pursuant to the policy of health insurance. 4. The provisions of this section do not apply to a policy of health insurance if, at the end of the policy year, the premiums charged for that policy, or a standard grouping of policies, increase by more than 2 percent as a result of providing the coverage required by this section and the insurer obtains an exemption from the Commissioner pursuant to subsection 5. 5. To obtain the exemption required by subsection 4, an insurer must submit to the Commissioner a written request therefor that is signed by an actuary and sets forth the reasons and actuarial assumptions upon which the request is based. To determine whether an exemption may be granted, the Commissioner shall subtract from the amount of premiums charged during the policy year the amount of premiums charged during the period immediately preceding the policy year and the amount of any increase in the premiums charged that is attributable to factors that are unrelated to providing the coverage required by this section. The Commissioner shall verify the information within 30 days after receiving the request. The request shall be deemed approved if the Commissioner does not deny the request within that time. 6. The provisions of this section do not: (a) Limit the provision of specialized services covered by Medicaid for persons with conditions relating to mental health or substance abuse. (b) Supersede any provision of federal law, any federal or state policy relating to Medicaid, or the terms and conditions imposed on any Medicaid waiver granted to this state with respect to the provisions of services to persons with conditions relating to mental health or substance abuse. 7. A policy of health insurance subject to the provisions of this chapter which is delivered, issued for delivery or renewed on or after January 1, 2000, 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, unless the policy is otherwise exempt from the provisions of this section pursuant to subsection 4. 8. As used in this section, “severe mental illness” means any of the following mental illnesses that are biologically based and for which diagnostic criteria are prescribed in the Diagnostic and Statistical Manual of Mental Disorders, Fourth Edition, published by the American Psychiatric Association: (a) Schizophrenia. (b) Schizoaffective disorder. (c) Bipolar disorder. (d) Major depressive disorders. (e) Panic disorder. (f) Obsessive-compulsive disorder. (Added to NRS by 1999, 3100) NRS 689A.046 Benefits for treatment of abuse of alcohol or drugs. 1. The benefits provided by a policy for health insurance for treatment of the abuse of alcohol or drugs must consist of: (a) Treatment for withdrawal from the physiological effect of alcohol or drugs, with a minimum benefit of $1,500 per calendar year. (b) Treatment for a patient admitted to a facility, with a minimum benefit of $9,000 per calendar year. (c) Counseling for a person, group or family who is not admitted to a facility, with a minimum benefit of $2,500 per calendar year. 2. These benefits must be paid in the same manner as benefits for any other illness covered by a similar policy are paid. 3. The insured person is entitled to these benefits if treatment is received in any: (a) Facility for the treatment of abuse of alcohol or drugs which is certified by the Health Division of the Department of Health and Human Services. (b) Hospital or other medical facility or facility for the dependent which is licensed by the Health Division of the Department of Health and Human Services, accredited by the Joint Commission on Accreditation of Healthcare Organizations and provides a program for the treatment of abuse of alcohol or drugs as part of its accredited activities. (Added to NRS by 1979, 1176; A 1983, 2036; 1985, 1569, 1773; 1993, 1918; 1997, 1301; 1999, 1888; 2001, 438) NRS 689A.0465 Coverage of treatment of temporomandibular joint. 1. Except as otherwise provided in this section, no policy of health insurance may be delivered or issued for delivery in this state if it contains an exclusion of coverage of treatment of the temporomandibular joint whether by specific language in the policy or by a claims settlement practice. A policy may exclude coverage of those methods of treatment which are recognized as dental procedures, including, but not limited to, the extraction of teeth and the application of orthodontic devices and splint

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