A policyholder in Colorado Springs delivers by cesarean section, and her policy must provide the minimum 96-hour stay. If the 96-hour mark falls at 10 p.m., under C.R.S. § 10-16-104(1) coverage of the stay continues until:

Why D is correct

C.R.S. § 10-16-104(1) sets a minimum 96-hour stay for a cesarean section and adds a rounding rule: if the 96-hour mark falls after 8 p.m., coverage continues until 8 a.m. the following morning. The carrier cannot end coverage at 10 p.m.; it must continue the stay through the night until 8 a.m., protecting the mother from a late-night discharge.

Why the other options are wrong

• A) 6 a.m. is not the statutory extension point; coverage runs to 8 a.m. the following morning.
• B) 10 a.m. overstates the rule; the statute extends coverage only to 8 a.m. the following morning.
• C) Ending coverage exactly at the 96th hour ignores the statute's after-8 p.m. extension to 8 a.m.

Memory hook

If the clock passes 8 p.m., the stay rides to 8 a.m.