In this article from the New York Times, we learn how one insurance company is opting to DECLINE women all together who have had a prior c-section (within certain guidelines). Peggy Robertson, a Colorado resident, was declined by Golden Rule Ins. Co. (Indiana-based insurer) solely because she had had prior c-section deliveries. This forced her to keep her current coverage which continues to escalate in cost. Plus, as Ms. Robertson stated, a decline from one company makes her look uninsurable to other companies down the road.

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COMMENTS:
Not every insurance company in Colorado tries to hide behind the law. Golden Rule claims that a decline for prior c-sections is essentially mandated by Colorado law, but other insurers would accept her with an exclusion for future c-sections (or other complications of pregnancy).

DISCLAIMER: Our nationwide insurance agency does not represent Golden Rule Ins. Co.