State RegulationsCO specificDifficulty 1/5
Under C.R.S. § 10-16-104(1), a Colorado sickness and accident policy that covers maternity may not limit a hospital stay for a normal vaginal delivery to fewer than:
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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(1) prohibits limiting a hospital stay for a normal vaginal delivery to fewer than 48 hours, and a stay for a cesarean section to fewer than 96 hours. A shorter stay is allowed only by agreement of the mother and her physician. A Colorado producer should recognize these minimums when explaining maternity benefits to clients.
Why the other options are wrong
- B) 24 hours is not a lawful minimum; the Colorado statute sets 48 hours for a normal vaginal delivery.
- C) 12 hours is far below the statutory floor of 48 hours for a normal vaginal delivery.
- D) 96 hours is the minimum for a cesarean section, not for a normal vaginal delivery.
Memory hook
48 vaginal, 96 cesarean — Colorado's delivery-stay floors.