State RegulationsCO specificDifficulty 1/5
Under C.R.S. § 10-16-104(5.5), coverage for behavioral health and substance use disorders in a Colorado sickness and accident policy must be:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
C.R.S. § 10-16-104(5.5) requires Colorado behavioral, mental health, and substance use disorder coverage to be no less extensive than coverage for any physical illness. Inpatient-only limits, separate riders, or higher deductibles for behavioral health would make the coverage less extensive than physical illness coverage and violate the parity requirement.
Why the other options are wrong
- B) Limiting behavioral health to inpatient treatment would make it less extensive than physical illness coverage.
- C) Behavioral health coverage cannot be relegated to a separate rider.
- D) A separate, higher deductible would violate the parity standard.
Memory hook
Mind and body: parity — no less extensive.