How is a "pre-existing condition" defined in Colorado health insurance law?

In Colorado health insurance law, a "pre-existing condition" is defined as a condition that was treated or diagnosed within six months prior to the effective date of a health insurance policy. This definition is important because it helps determine the extent of coverage for individuals who are looking to obtain health insurance.

Understanding this definition is crucial for both consumers and providers, as it establishes the time frame within which any existing health issues might affect eligibility for coverage or the terms of a policy. This means that if an individual had received treatment or a diagnosis for a specific condition within the six months before acquiring a new health insurance policy, that condition may be subject to limitations or exclusions in terms of coverage under the new policy.

The other definitions provided do not align with the established law in Colorado regarding pre-existing conditions. Conditions treated or diagnosed within three months would not satisfy the definition used by insurers in the state, conditions present at birth are often considered congenital and have different legal and insurance frameworks, and conditions that impact daily living may describe the functional impairment but do not meet the specific regulatory criteria for defining a pre-existing condition in health insurance.