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AB 511

Relating to: the cigarette excise tax and cigarettes that involve heating tobacco without combustion. (FE)

2025-2026 Regular Session Introduced by Calvin Callahan and 6 co-sponsors

clarifies who is entitled to reimbursement for covered health services (insured or provider) and adds assignment-of-benefits for nonprofit/HMO plans.

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Bill Summary · AB 511

AB 511 (BDR 57‑697) — Revises provisions relating to insurance

Chapter 308 (enacted June 6, 2025)

Purpose

AB 511 clarifies and updates Nevada law governing who is entitled to reimbursement for certain health care services covered by insurance. The bill explicitly provides that, depending on the circumstance, either (a) the insured or (b) the provider who delivered the covered treatment may be entitled to reimbursement. It also adds assignment‑of‑benefits language for types of nonprofit and HMO coverage that previously lacked it.

Key provisions

  • Revisions to multiple Nevada Revised Statutes (NRS) across Chapters 689A, 689B, 695B and 695C to state that “the insured or the provider who provided treatment to the insured, as applicable, is entitled to reimbursement for the treatment provided.” Affected provider categories include (but are not limited to):
    • Acupuncturists (chapter 634A)
    • Psychologists
    • Licensed marriage and family therapists and licensed clinical professional counselors
    • Social workers (various levels)
    • Podiatrists
    • Chiropractic physicians
    • Licensed clinical alcohol and drug counselors
    • Certain registered nurses authorized to perform additional acts under State Board of Nursing rules
  • Prohibits policy terms that would limit coverage or reimbursement for certain providers relative to other physicians (e.g., podiatrists, chiropractic physicians) in specified contexts.
  • Confirms insurer exceptions (e.g., not required to pay for duplicate services).
  • Adds assignment‑of‑benefits authorization for contracts issued by nonprofit hospital/medical/dental service corporations and health maintenance organizations (sections added analogous to NRS 689A.135 and 689B.100). These permit insureds, in appropriate circumstances, to assign benefits to a provider.
  • Senate Amendment No. 589 and committee changes retained language protecting the insured’s entitlement to reimbursement (so consumer rights are preserved) and implemented the Division of Insurance’s recommendations regarding assignments.

Who is affected

  • Health care providers listed in the amended statutes (chiropractors, podiatrists, psychologists, counselors, certain nurses, etc.), who may receive direct reimbursement or be beneficiaries of assigned benefits.
  • Insured individuals (policyholders) whose rights to reimbursement and assignment of benefits are preserved and clarified.
  • Insurers and HMOs, which must process reimbursements and assignments consistent with the amended NRS.
  • Nonprofit hospital/medical/dental service plans and health maintenance organizations (now subject to explicit assignment provisions).

Procedural / timeline highlights

  • Introduced: February 10, 2025.
  • Passed both houses with amendments (Senate Amendment No. 589 concurred May 27, 2025).
  • Enrolled and delivered to Governor May 29, 2025; approved by Governor June 5, 2025.
  • Chaptered as Chapter 308 on June 6, 2025.
  • Fiscal note: no effect on State or local government.

Practical effect and considerations

AB 511 formalizes that providers (when applicable) can be entitled to payment for covered services and clarifies assignment rights in nonprofit and HMO contexts. It does not expand scope of practice or mandate coverage beyond existing policy terms; rather it clarifies who may receive reimbursement and ensures insured protections remain intact. Stakeholders (providers, insurers, consumer advocates) may need to update billing, claims and assignment procedures to reflect the revised statutory language.

Compiled from official sources — confirm details with the bill’s official record.

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