State RegulationsCO specificDifficulty 2/5
A Colorado insured is hospitalized for complications arising during her pregnancy. Under C.R.S. § 10-16-104(2), her sickness and accident policy must cover these complications:
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
C.R.S. § 10-16-104(2) requires Colorado sickness and accident policies to cover complications of pregnancy on the same basis as any other sickness, and to treat accidents during pregnancy or childbirth as any other accident. No rider, waiting period, or hospital-location condition may be imposed beyond what the policy applies to sickness generally.
Why the other options are wrong
- A) Complications cannot be conditioned on a separately purchased rider; the statute covers them as any other sickness.
- C) No 12-month waiting period applies; complications are covered on the same basis as other sicknesses.
- D) Coverage does not depend on the delivery hospital; the statutory standard is parity with other sicknesses.
Memory hook
Complications = sickness; pregnancy accidents = accidents.