State RegulationsCO specificDifficulty 1/5
Under C.R.S. § 10-16-104(2), how must a Colorado sickness and accident policy treat complications of pregnancy?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
C.R.S. § 10-16-104(2) requires Colorado S&A policies to cover complications of pregnancy the same as any other sickness, and accidents occurring during pregnancy or childbirth are covered as any other accident. No waiting period, hospitalization trigger, or reduced benefit schedule is permitted. Producers should distinguish this mandate from the separate maternity coverage rule in § 10-16-104(3), which governs normal pregnancy and childbirth rather than complications.
Why the other options are wrong
- A) Complications of pregnancy are covered regardless of whether hospitalization follows; a hospitalization trigger is not part of the statute.
- B) No 12-month waiting period applies to complications; they are covered on the same footing as any other sickness from coverage inception.
- C) The statute requires equal treatment with other sicknesses — a reduced benefit level would violate C.R.S. § 10-16-104(2).
Memory hook
Complications ride shotgun with ordinary sickness — same coverage, same accident rules.