Another State Adds Insurance Coverage For Trans-People

Colorado joins Oregon and California in requiring insurance coverage for transgender people...

What Coloradans Need to Know About the Division of Insurance Recent Bulletin on Health Insurance

In an important victory for the health of all Coloradans, the Colorado Division of Insurance released a bulletin on March 19, 2013, stating that discrimination in health coverage based on sexual orientation — defined as heterosexuality, homosexuality, bisexuality or transgender status — is prohibited in Colorado.

The announcement of this bulletin (B-4.49) means that in order to comply with current Colorado statutes prohibiting discrimination based on sexual orientation and transgender status, health insurance plans sold in Colorado can no longer: 1) impose higher rates or charge more because of an applicant’s sexual orientation (see definition below); 2) use an individual’s sexual orientation as a pre-existing condition for the purpose of limiting or denying coverage; or 3) deny, exclude or limit coverage for medically necessary services as determined by an individual’s medical provider, if the same item or service would be provided — based on current standards of care — to another individual without regard to their sexual orientation. 

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