What requirement must be met for preventive services to be covered under Colorado health insurance?

For preventive services to be covered under Colorado health insurance, they must be covered without cost-sharing. This means that insured individuals can access preventive healthcare services, such as vaccinations, screenings, and annual check-ups, without having to pay deductibles, copayments, or coinsurance. This policy is designed to encourage individuals to seek preventive care, as it significantly reduces financial barriers that might otherwise deter people from getting necessary health screenings and vaccinations.

In Colorado, as well as under federal regulations, numerous preventive services are listed that fall under this no cost-sharing requirement, aligning with the goals of enhancing public health and wellness by promoting early detection and prevention of diseases. The emphasis on full coverage for these services reflects a broader commitment to preventive healthcare as a means of reducing overall healthcare costs by addressing potential health issues before they become serious and more expensive to treat.

The other options do not align with this requirement: cost-sharing being mandatory would discourage preventive care, limiting services to in-network providers could restrict access unnecessarily, and suggesting that only select services are eligible contradicts the broad range of preventive services that are typically covered without cost-sharing.