State RegulationsCO specificDifficulty 3/5
An individual Colorado health policy excludes pregnancy as a preexisting condition at issue. The insured later becomes pregnant again. Under C.R.S. § 10-16-104(3), how is the new pregnancy treated?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under C.R.S. § 10-16-104(3), an individual Colorado policy may exclude pregnancy as a preexisting condition, but that exclusion does not apply to subsequent pregnancies. A pregnancy that begins after the policy is issued is therefore covered on the same basis as any other sickness, along with the required maternity benefits and the 48-hour and 96-hour stay minimums.
Why the other options are wrong
- A) A fresh exclusion period for each later pregnancy is exactly what the statute forbids.
- B) No additional premium may be demanded to escape the preexisting exclusion; C.R.S. § 10-16-104(3) voids it for subsequent pregnancies.
- C) The exclusion is not permanent; the statute expressly lifts it for subsequent pregnancies.
Memory hook
First pregnancy may be excluded; later pregnancies never are.