Revises provisions relating to health insurance coverage for biomarker testing. (BDR 57-913)

AB 382 requires health insurers in Nevada to cover biomarker testing for the diagnosis, treatment, management, or ongoing monitoring of *any* medical condition or disease when supported by medical evidence - expanding coverage beyond the previous limitation to cancer-related testing. It removes the prior requirement that coverage be deemed "medically necessary" and mandates insurers to: (1) cover such testing without prior authorization delays (24 hours for urgent requests, 72 hours otherwise), (2) establish clear appeal processes for denied coverage, and (3) publish these processes online. The bill directly affects all public and private health plans (including Medicaid and state employee plans) and their insured patients seeking biomarker testing for non-cancer conditions. Coverage remains limited to tests supported by evidence like FDA approvals, clinical guidelines, or national coverage determinations, excluding screening or tests outside a provider’s scope.