A health benefit plan which offers a difference of payment between preferred providers of health care and providers of health care who are not preferred:
1. Must require that the deductible and payment for coinsurance paid by the insured to a preferred provider of health care be applied to the negotiated reduced rates of that provider.
2. Must provide that if there is a particular service which a preferred provider of health care does not provide and the provider of health care who is treating the insured requests the service and the insurer determines that the use of the service is necessary for the health of the insured, the service shall be deemed to be provided by the preferred provider of health care.
(Added to NRS by 1995, 987; A 2013, 3634; 2017, 2374)