In 2010 Colorado Governor Bill Ritter signed 8 health related bills into law, including a new measure that will require all individual health insurance policies to include coverage for contraception and pregnancy.
This bill took effect on January 1, 2011.
House Bill 1021, sponsored by Democratic Representatives Jerry Frangas and Beth McCann, requires all insurers to offer contraception and maternity coverage, except for women that wait and buy individual health insurance plans after they are already pregnant.
Previously a pregnant woman that applied for health coverage in Colorado would be an automatic decline by the health insurance carrier. That is not the case in Colorado, although the pregnancy would not be covered and treated as a pre-existing condition, coverage would be offered. Employer sponsored group health insurance plans can not exclude pregnancy as a pre-existing condition in Colorado.
To receive a quote from Anthem and apply for Colorado Individual Health Insurance click here. For further information please call me at 800-779-0128.
Keep in mind you will still be subject to your deductible and co payments outlined in your Colorado Individual Health Plan. A good way to combat this is to purchase what is known as a Hospital Cash Plan. This plan can cover a good part of your deductible. For more information call 800-779-0128 or email brian@sunsetfinancial.net