State RegulationsCO specificDifficulty 2/5
Under C.R.S. § 10-16-104(8), what must a Colorado sickness and accident insurer do regarding hospice care services?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
C.R.S. § 10-16-104(8) makes hospice and home health care an offer mandate, not a mandatory benefit: the policyholder must be offered the opportunity to purchase hospice care services, but the insurer need not include them in every policy. Colorado Insurance Regulation 4-2-8 supplies the related hospice care coverage standards.
Why the other options are wrong
- A) Automatic inclusion is wrong; the statute requires an offer, not automatic coverage.
- B) The insurer may sell hospice coverage; it must offer every policyholder the opportunity to purchase it.
- C) The offer requirement is not limited to group policies.
Memory hook
Hospice: must offer, not must include.