State RegulationsCO specificDifficulty 1/5
A mother in Colorado Springs delivers by cesarean section under an individual sickness and accident policy. What is the minimum hospital stay the policy must cover?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
C.R.S. § 10-16-104(1) prohibits limiting a hospital stay for a cesarean delivery to fewer than 96 hours, while a normal vaginal delivery may not be limited below 48 hours. If the 96-hour mark falls after 8 p.m., coverage continues to 8 a.m. the following morning. Shorter stays are allowed only by agreement of the mother and her physician, so the insurer cannot impose a shorter limit on its own.
Why the other options are wrong
- A) 24 hours is not a Colorado minimum for any delivery; it is a distractor drawn from unrelated licensing time frames.
- B) 48 hours is the minimum for a normal vaginal delivery, not for a cesarean section.
- D) 31 days relates to newborn coverage duration under C.R.S. § 10-16-104(1), not to the mother's post-delivery hospital stay.
Memory hook
C-section = 96 hours; vaginal = 48; after 8 p.m., ride to 8 a.m.