Islets of Hope state diabetes insurance coverage laws

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Information for this article was compiled and edited by Lahle A. Wolfe, Islets of Hope.

Important Disclaimer

This information for general information purposes only.  

It is not intended to be used a recommendation or endorse- ment of any program or entity

This information is not intended to serve as any form of medical or legal advice.


Article Sources

National Conference of State Legislatures

Government Accountability Office (GAO) report number GAO-05-210 entitled "Managing Diabetes: Health Plan Coverage of Services and Supplies;" released on March 28, 2005.


Federal Laws Pertaining to Persons with Diabetes

Diabetes Assistance Programs

Diabetes Laws

Colorado - State Diabetes Insurance Coverage Laws


Hock's offers 30-50% discounted prices on diabetes supplies.  We cannot specifically recommend or endorse any company but we have been listing Hock's in our resource directory for over a year as one of the two cheapest online companies to purchase from.  We recently affiliated with Hock's because our own experience with them has been so positive.  If you do place an order through our site, they will contribute financially towards our cause and you will get reasonable prices for diabetes supplies.

Colorado has state-mandated laws that require insurance carriers to cover diabetes care and education services.

§10-16-104 (13) - 1998 law - coverage "shall include equipment, supplies, and outpatient self-management training and education, including medical nutrition therapy if prescribed by a health care provider."

Summary of Provisions

  • Requirement related to diabetes? Yes
  • Diabetes Education services covered?  Yes
  • Medical nutritional therapy covered?  Yes
  • Diabetes supplies covered?  Yes
  • Specified supplies covered?  No

Insurance Coverage Information

Colorado Division of Insurance website

January 1, 2006 Colorado Standard Health Benefit Plans: Indemnity, Preferred Provider, and HMO (diabetes coverage is mentioned, including prosthesis and transplant coverage).

Three Health Insurance Companies Fined for Failing to Provide Mandatory Diabetes Care Benefits (1999)

Bulletin 22-04 Health Coverage Compliance Guidelines (includes diabetes care), 11/2004

    10-16-104(13) 1998 law

    (13) Diabetes. (a) Any health benefit plan, except supplemental policies covering a specified disease or other limited benefit, that provides hospital, surgical, or medical expense insurance shall provide coverage for diabetes that shall include equipment, supplies, and outpatient self-management training and education, including medical nutrition therapy if prescribed by a health care provider licensed to prescribe such items pursuant to Colorado law, and, if coverage is provided through a managed care plan, such qualified provider shall be a participating provider in such managed care plan.

    (b) Diabetes outpatient self-management training and education when prescribed shall be provided by a certified, registered, or licensed health care professional with expertise in diabetes.

    (c) The benefits provided in this subsection (13) are subject to the same annual deductibles or copayments established for all other covered benefits within a given policy.

    (d) Private third-party payors shall not reduce or eliminate coverage due to the requirements of this subsection (13).

    Note:  (28.7)  "PATIENT WITH DIABETES" MEANS A PERSON WITH ELEVATED BLOOD GLUCOSE LEVELS WHO HAS BEEN DIAGNOSED AS HAVING DIABETES BY AN APPROPRIATELY LICENSED HEALTH CARE PROFESSIONAL.


H.B. 98-1309 Health insurance - mandatory coverage - diabetes. Requires every health benefit plan, except supplemental policies covering a specified disease or other limited benefit, to provide coverage for equipment, supplies, and outpatient self-management training and education, including medical nutrition therapy, for the treatment of diabetes if prescribed by a health care provider licensed to prescribe such items pursuant to Colorado law. Makes such coverage subject to the same annual deductibles or copayments as other covered benefits within a given policy. Prohibits third-party payors from reducing or eliminating health care coverage because of the diabetes coverage requirement.

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Page Updated  02/18/2007