The Nevada Accident and Health Producer License
Accident and health is the second line at NRS 683A.261 and Nevada examines it as code 02, "NV Accident and Health." A candidate can reach the same authority through code 05, the combined Life and Health paper - the Life and Health guide sets out that comparison.
What distinguishes Nevada's health material is that it diverges from the national baseline in opposite directions on two of the most-tested topics. On Medicare supplement, Nevada gives consumers more than the federal floor: a genuine annual birthday-month open enrollment at NRS 687B.352, and an under-65 availability rule at NRS 687B.351. On group continuation it gives them nothing at all: NRS 689B.245, the mini-COBRA section, was repealed by chapter 541, Statutes of Nevada 2013.
That second point is the single most valuable thing on this page, because almost every general study source gets it wrong. Nevada's chapter 689B now runs from section .110 directly to .250 with nothing in between. Chapter 689A has no continuation section. Chapter 689C, small employer health, has none across its entire run from .015 to .940. A Nevada employee whose employer is below the federal COBRA threshold has the Exchange, not a state continuation right.
The Nevada Accident and Health Exam
Exam code 02, 2 hours 15 minutes, $37. The paper is assembled from two printed outlines: an Accident and Health general-knowledge outline of "50 scored plus 5 pretest questions," and a Health Nevada-specific outline of "38 scored plus 5 pretest questions." That totals 88 scored and 10 pretest, 98 items, and about 83 seconds an item across all of them.
Thirty-eight Nevada questions is the second-largest state-specific outline of any Nevada single-line producer paper, one behind Casualty's 39 and half again the size of Personal Lines' 25. It is worth planning study time around, because the general-knowledge half is the same national material every state examines while the other 38 questions are the ones nobody else can teach you.
The counts are derived, and the site says so wherever it uses them. The candidate handbook prints exam codes, times and fees but no question counts; the content outlines print counts section by section but no times and no exam-level totals. Every figure here is the sum of printed sections, stated on an all-items basis so it can be compared with the other lines.
| Route | Code | Scored | Pretest | Time | Fee |
|---|---|---|---|---|---|
| Accident and Health alone | 02 | 88 | 10 | 2 hours 15 minutes | $37 |
| Life and Health combined | 05 | 144 | 15 | 3 hours 35 minutes | $47 |
Passing is a scaled 70. NAC 683A.270 fixes the score and adds the rule most candidates need more than the score itself: "The examination must have been successfully completed within 1 year immediately preceding the date of application for the license."
Most Tested Topics on the Nevada Accident and Health Exam
Thirty-eight scored questions come from Nevada law, and the rows below are where Nevada's answer is not the answer a national outline would give.
| Concept | The Nevada rule | Where it lives |
|---|---|---|
| Free look, individual accident and health | 10 days from delivery - and the carve-out is the question: the right does not reach "nonrenewable accident policies and individual credit health insurance policies" | 689A.170(1) |
| What returning the policy does | It is "void as from the beginning and as if the policy had not been issued" - and it may go back to the home office, a branch office, or the agent who took the application | 689A.170(2) |
| Grace period, tiered by premium mode | Three tiers and all three are MINIMA: "not less than 7 for weekly premium policies, 10 for monthly premium policies and 31 for all other policies" | 689A.070 |
| The required-provisions run | NRS 689A.050 to 689A.170, and they must appear "in the words in which the provisions appear" - sixteen sections in the current code | 689A.040(1) |
| The optional list, and its direction | NRS 689A.190 to 689A.270 is a RESTRICTION, not a menu: address one of those nine subjects and you must use the statutory words. There is no NRS 689A.280 | 689A.180 |
| State continuation of group coverage | NONE. NRS 689B.245 was repealed - see chapter 541, Statutes of Nevada 2013, at page 3661 | 689B.245 (repealed) |
| The continuation mandate that survives | Only NRS 689B.0345, for an employee or member "on leave without pay as a result of total disability" - not a termination-of-employment right | 689B.0345 |
| Clean-claim decision and payment | 30 days to approve or deny after receipt, then 30 more to pay once approved | 689A.410(1) |
| Does Nevada split electronic and paper? | NO. One sentence settles it: the time "begins when the payer receives a clean claim" - one clock, one trigger, whatever the medium | NAC 686A.290 |
| Interest on a late payment | A formula, not a rate: the prime rate at the largest bank in Nevada on the preceding 1 January or 1 July, "plus 6 percent" | 689A.410(1) |
| What exposes an insurer to a fine | Two alternative floors - payment within 30 days of "at least 95 percent of approved claims" OR "at least 90 percent of the total dollar amount." Falling below either is the trigger | 689A.410(7), (8) |
| External review: who files, and where | The covered person, the covered person's PHYSICIAN in his or her own right, or a representative - and the request goes to the Office for Consumer Health Assistance, not to the carrier | 695G.251(1) |
| Is the decision binding? | One-directionally: a determination "in favor of the covered person" is "final, conclusive and binding upon the health carrier." The carrier also pays the cost of the review | 695G.290(1), (3) |
| Medicare supplement free look | 30 days, prominently noticed on the first page - and it is a REGULATION rather than a statute | NAC 687B.240(5) |
| Medicare supplement birthday rule | Nevada HAS one: an annual window "commencing with the first day of the birthday month" and open "at least 60 days thereafter," for a policy with "the same or lesser benefits" | 687B.352(1) |
| Medicare supplement below 65 | Any policy the insurer sells to new insureds 65 and older must be available to an under-65 enrollee eligible by disability or end-stage renal disease, priced at the exactly-65 rate for Plan A, B or D and no more than 200 percent for others | 687B.351 |
| Long-term care free look | 30 days after delivery, refunded within 30 days of return - and read where the group carve-out sits: subsection 1 gives the right without qualification, and subsection 5 excepts only the NOTICE required by subsection 2 | NAC 687B.060(1), (2), (5) |
The prompt-pay row is where Nevada most often gets described as something it is not. Many states run a two-speed clock - a shorter deadline for an electronically submitted claim and a longer one for paper. Nevada does not, and the sentence that settles it is a single line of regulation covering seven different statutes at once: NAC 686A.290 provides that the time to adjudicate and pay "begins when the payer receives a clean claim." There is one trigger and one clock. What varies in Nevada is not the medium but the completeness of the claim, and "clean claim" has its own definition at NAC 686A.282.
The birthday-rule row rewards precision about scope. Nevada's window is a birthday MONTH window rather than continuous open enrollment, and it buys only "the same or lesser benefits" - it is not a route to a richer plan. Inside it the insurer may not deny, condition or price-discriminate "based on the health status, claims experience, receipt of health care or medical condition," must give notice at least 30 but not more than 60 days before it opens, and may not vary a producer's commission for a birthday-rule sale: the statute requires it to be treated as a renewal.
Taking the Nevada Exam at Home
Nevada still offers remote proctoring, and that is worth stating plainly because several states have lost it. The current candidate handbook is unambiguous: "Candidates have the option to register to take their online examinations or at a physical Pearson VUE testing location." There is no discontinuation notice anywhere in the document and no sunset date, and Pearson VUE maintains a live Nevada OnVUE page.
But there is a cap, and it is the single most important operational fact on this page. "Candidates taking an online examination are allowed two attempts per exam. All subsequent examination attempts will have to be taken at a Pearson VUE testing center." Read what that does. Nevada publishes no limit on test-centre attempts at all - the only attempt limit in the whole scheme is this one, and it applies to the remote route alone. Fail twice at home and the choice is gone; the third attempt is at a centre whether or not that suits you.
The practical consequence is a sequencing decision most candidates never think about. If you are reasonably confident, sitting remotely is the convenient route and two attempts is more than most people need. If you are sitting a paper you expect to find hard - and Accident and Health carries 38 Nevada-specific questions, second only to Casualty among the single-line papers - the two attempts are worth conserving. There is no penalty for starting at a test centre and no benefit banked by starting online.
What the session requires. The handbook lists three things and they are absolute rather than advisory: a "quiet, private location," a "reliable device with a webcam," and a "strong internet connection." Check-in is documentary: "You are required to take photos of your government-issued ID, your testing environment and a headshot." And the supervision is live throughout - "You'll be monitored by a VUE-certified proctor via webcam and microphone throughout your test."
The identification rule deserves separate attention on the remote route, because it is the same rule as at a centre and it is harder to fix at home. Nevada requires TWO forms of current signature identification, and "the name on the identification must exactly match the name on the registration." The primary must be government-issued and carry both a photograph and a signature; the secondary needs a signature. And "identification must be in English." At a test centre a mismatch means a wasted trip. At home it means a wasted attempt out of two.
Run the system test before the day, not on it. The environment requirements are checkable in advance and the check is free; the attempt is not. A room that fails the proctor's inspection - a second monitor, a visible bookshelf the proctor asks you to clear, someone else in the house walking through - costs an attempt from a pool of two.
One thing the handbook does not publish, and this page will not invent: which Nevada exam codes are OnVUE-eligible. The Nevada OnVUE page carries no list of eligible exams and no eligibility restriction, so treat availability as something to confirm at booking rather than something to rely on from any third-party table.
Nevada Accident and Health License Fees
$37 for code 02 and $185 for the licence. The $185 splits across two statutes - $125 at NRS 680B.010(5) and $60 at NRS 680C.110(4)(d) - and both are priced on the three-year cycle that gives Nevada its licence term.
Nothing else is charged to a health producer at the outset. No pre-licensing course; no appointment fee, which falls on the insurer at $15; no CE fee, which falls on the education provider at $1 per hour per student. Filing through NIPR rather than Sircon adds $5.50, and printing the licence is free for 30 days from ISSUANCE - not from filing - on a Sircon-approved application or renewal, and charged after that.
If you intend to hold Life as well, the combined paper is the cheaper route by a wide margin. Code 02 and code 01 separately cost $74 and take four and a quarter hours to answer 168 scored questions across two appointments. Code 05 costs $47 and takes three hours thirty-five minutes to answer 144. One $185 application covers whatever lines you have qualified for.
The costs that arrive later are training rather than fees. Long-term care requires eight hours before the first sale and four every twenty-four months after it, and the carrier must hold verification before letting you sell - so the cost of being untrained is not a fine but an inability to place business.
Nevada Accident and Health License Eligibility
The same four findings as every Nevada producer licence, at NRS 683A.251(1): 18 years of age; no act that is a ground for refusal, suspension or revocation; all applicable fees paid, "which may not be refunded"; and the examinations passed for the lines applied for, unless exempt. The Life guide covers the disciplinary grounds behind paragraph (b).
What a health producer should add to that list is a licensing condition hiding inside a training rule. NAC 687B.051 does not say "a producer who sells long-term care must be trained." It says a person may not sell, solicit or negotiate long-term care insurance unless licensed as a producer for health insurance AND trained. The line of authority is part of the eligibility test for the activity - so a property and casualty producer cannot reach long-term care by taking the eight-hour course.
Two exam exemptions exist and neither is a designation. NRS 683A.291(1) exempts "an applicant for licensing in this state as a producer of insurance who was previously licensed for the same lines of authority in another state ... if the applicant is currently licensed in that state," or where the application arrives within 90 days after that licence was cancelled and the other state certifies good standing; and a producer who "confines his or her activity to insurance categorized as limited line, credit, travel, portable electronics, baggage or fixed annuity, or covering vehicles leased for a short term." Subsection 3 adds the residency clock: apply "within 90 days after establishing legal residence."
Nevada's designation list is real but it is a continuing-education exemption, not an examination waiver - CPCU, CLU, CIC, ChFC and CFP, or twenty years of continuous experience. The Life and Health guide owns that distinction in full, because it is the single most commonly misread item in Nevada's licensing scheme.
Nevada Accident and Health Continuing Education
Important CE details: Long-term care is the training gate that reaches a health producer, and Nevada writes it as a bar on the activity with a licensure condition built in. NAC 687B.051 provides that a person may not sell, solicit or negotiate long-term care insurance unless licensed as a producer for HEALTH insurance - the line of authority is part of the rule, not a separate prerequisite - and has completed an initial course of at least eight hours, with at least four hours in every twenty-four month period after that. The training may not be insurer-specific or product-specific, and may not consist of sales or marketing material beyond what state and federal law require. The enforcement sits on the carrier rather than on you: the insurer must obtain and retain verification of the training before permitting sales, and produce it to the Commissioner on request. An insurer offering partnership contracts must certify annually that every such contract was sold by an adequately trained producer.
Thirty hours in the three-year period before renewal, three of them ethics, under NAC 683A.330. The non-ethics hours must relate to the lines of authority held, and holding more lines does not raise the total.
The long-term care obligation runs alongside the thirty and is not part of it. Eight hours initially, four every twenty-four months thereafter, under NAC 687B.051 - and the twenty-four-month cycle does not line up with Nevada's thirty-six-month licence term, which is the scheduling trap. A producer who takes the initial course at licensing owes the first four-hour refresher two-thirds of the way through the first licence period, not at renewal.
What the carrier does about it is the part most producers do not expect. The insurer, not the Division, must obtain and retain verification that the training happened before permitting sales, and must produce it to the Commissioner on request. An insurer offering long-term care partnership contracts certifies annually that every such contract was sold by an adequately trained producer. So the consequence of letting the refresher lapse arrives from the carrier's compliance department rather than from the state.
Reporting is the provider's job, not yours. Approved providers submit credits to the Division through Sircon "as soon as possible upon completion of the course." Check the transcript there rather than filing anything, and leave room for the upload - the credit is not yours until the provider has sent it.
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