Nevada

Key Provisions

• **Regulatory Status of DPC Agreements**: In the absence of specific legislation, DPC agreements are not considered insurance products in Nevada, provided they are structured correctly. To avoid regulation by the Division of Insurance, agreements must be limited to primary care services, charge a flat periodic fee, and explicitly state that the plan is not health insurance.
• **Patient Agreement Requirements**: DPC practices must use detailed patient agreements that clearly outline the scope of included services and those that are excluded (e.g., hospital care, specialist visits, emergency services). These contracts serve as the primary legal document governing the provider-patient relationship and must disclaim any risk-spreading or catastrophic coverage features.
• **Oversight and Governance**: DPC physicians and practices are subject to the same professional standards and oversight as all other medical practitioners in the state. They are governed by the Nevada State Board of Medical Examiners and must adhere to all existing laws concerning medical licensing, scope of practice, and professional conduct.
• **Interaction with Health Insurance**: DPC membership fees are separate from and do not count toward a patient's health insurance deductible or annual out-of-pocket maximum. Patients are typically required or strongly advised to maintain a separate insurance plan to cover services not included in their DPC membership, such as major medical events and prescription drugs.
• **Use of Health Savings Accounts (HSAs)**: Following federal changes effective in 2026, Nevadans can use Health Savings Account (HSA) funds to pay for DPC membership fees, up to the established monthly limits. This federal clarification helps make DPC more financially accessible, although state-level guidance on the matter has not been issued.