State RegulationsCO specificDifficulty 2/5
A policyholder in Boulder asks whether hospice care must be included in her individual health policy. Under C.R.S. § 10-16-104(8), the insurer's obligation regarding hospice and home health care is to:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
C.R.S. § 10-16-104(8) is an OFFER requirement: the insurer must give the policyholder the opportunity to purchase hospice and home health care coverage, but the benefit itself is not mandatory. The applicant may decline the offer, and if purchased it is typically paid for by additional premium. A producer in Colorado must present the offer accurately rather than describing hospice as an automatic included benefit.
Why the other options are wrong
- A) Hospice and home health care are not automatic benefits; Colorado requires only that the coverage be offered for purchase.
- C) Nothing in C.R.S. § 10-16-104(8) requires the coverage to be free; the mandate is an offer, not a no-cost benefit.
- D) The statute points the opposite way: insurers may not simply ignore hospice and home health care — they must offer the option.
Memory hook
Hospice is an OFFER, not a give — Colorado makes insurers ask, not include.