State RegulationsCO specificDifficulty 2/5
In Colorado, the required health benefits that sickness and accident policies must provide are established by:
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
Colorado's required health benefits are established by statute — centrally C.R.S. § 10-16-104 — together with Division of Insurance regulations such as Reg. 4-2-28 and Reg. 4-2-30. Producers must know these mandates because insurers cannot contract around them and policy language cannot override them.
Why the other options are wrong
- A) Underwriting guidelines cannot create or eliminate statutorily mandated benefits.
- C) Federal Medicare administrative contractors do not create Colorado health coverage mandates.
- D) Producer disclosure documents do not establish mandated benefits.
Memory hook
Mandates come from the statute book, not the carrier's manual.