Colorado

Colorado has on-paper rules mandating full transition coverage (including surgery) for private health insurance.

For personal help on Colorado insurance, contact the Colorado Division of Insurance for free assistance at 303-894-7940 or through their online request for assistance form.

What is covered?
Colorado odd

What is the process?
One Colorado has an FAQ on the regulation, which describes this process:


 * 1) Apply with your insurer for whatever it is you want covered. Assume you will be denied.
 * 2) Once you are denied, file an appeal with your insurer. If you call them they will explain how to do this.
 * 3) Once your initial appeal has been denied, you need to file a complaint with the Colorado Division of Insurance. To file a complaint, you may use one of the following methods:
 * 4) * Call the Division of Insurance at 303-894-7940
 * 5) * Email them at [mailto:insurance@dora.state.co.us insurance@dora.state.co.us]
 * 6) * Fill out an online request for assistance at the Division of Insurance website.

Legal basis

 * CRS 10-3-1104, a section of Colorado statute which bars insurance eligibility determinations based on sexual orientation
 * Colorado Division of Insurance Bulletin No. B-4.49, a March 2013 state advisory bulletin which combines CRS 10-3-1104 with the expansive definition of "sexual orientation" found in CRS 2-4-401.