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Population: 4,753,377
(Source: U.S. Census Bureau)
Uninsured: 772,000
(Source: U.S. Census Bureau)
Health Benefits Direct is a licensed insurance broker for Colorado health insurance policies. Click here to view our registration with the Colorado Office of Insurance (We're listed as HBDC). |
Colorado has the 18th highest number of uninsured in the U.S.
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Health Insurance News in Colorado
Buying Individual Insurance Policies in Colorado
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in Colorado:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
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- Alcoholism
- Autism
- Birthing Centers/Midwives
- Cervical cancer/HPV Screening
- Cleft Palate
- Dental Anesthesia
- Diabetes Self Management
- Diabetic Supplies
- Early Intervention Services
- Emergency Services
- Home Health Care
- Hospice Care
- HPV Vaccine
- Mammogram
- Maternity
- Maternity Stay
- Mental Health General
- Mental Health Parity
- Orthotics/Prosthetics
- PKU/Formula
- Prostate Cancer Screening
- Well-Child Care
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- Alzheimer's
- Ambulatory Surgery
- Ambulance Services
- Anti-Psychotic Drugs
- Blood Lead Poisoning
- Blood Products
- Bone Marrow Transplants
- Bone Mass Measurements
- Breast Reconstruction
- Cancer Medications
- Chemotherapy
- Chlamydia
- Clinical Trials
- Colorectal Cancer Screening
- Congenital Bleeding Disorders
- Contraceptives
- Drug Abuse Treatment
- Habilitative Services
- Hair Prostheses
- Hearing Aid
- In Vitro Fertilization
- Kidney Disease
- Long Term Care
- Lyme Disease
- Mastectomy
- Mastectomy Stay
- Minimum Hysterectomy Stay
- Minimum Testicular Cancer Stays
- Morbid Obesity Treatment
- Neurodevelopment Therapy
- Newborn Hearing Screening
- Newborn Sickle-Cell Testing
- Off-Label Drug Use
- Ostomy Related Supplies
- Other Infertility Services
- Ovarian Cancer Screening
- Port-wine Stain Elimination
- Prescription Drugs
- Psychotic Drugs
- Rehabilitation Services
- Second Surgical Opinion
- Smoking Cessation
- TMJ Disorders
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| Mandated Covered Persons |
Non-Mandated Covered Persons |
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- Adopted Children
- Continuation/Dependents
- Continuation/Employees
- Conversion to Non-Group
- Dependent Students
- Handicapped Dependents
- Newborns
- Non-Custodial Children
- Domestic Partners
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| Mandated (Included) Providers |
Non-Mandated Providers |
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- Chiropodist
- Chiropractors
- Dentists
- Licensed Health Professional
- Marriage Therapists
- Nurse Anesthetists
- Nurse Midwives
- Nurse Practitioners
- Nurses
- Optometrists
- Oral Surgeons
- Osteopaths
- Pain Management Specialist
- Podiatrists
- Professional Counselors
- Psychiatric Nurse
- Psychologists
- Social Workers
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- Acupuncturists
- Denturists
- Dieticians
- First Nurse Assistant
- Lay Midwives
- Massage Therapists
- Naturopaths
- Occupational Therapists
- Opticians
- Pastoral Counselor
- Pharmacists
- Physical Therapists
- Physician Assistants
- Public or Other Facilities
- Speech or Hearing Therapists
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in Colorado.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for Colorado residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across Colorado.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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