Colorado HOA Disclosure Requirements

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Homeowners Disclosure

With the passage of SB100, Colorado statues now require that every Homeowners Association (HOA) in the state deliver at least annually, within 90 days following the end of each fiscal year, the following information to all owners upon reasonable notice:

  • The date upon which the fiscal year commences and the operating budget for the current fiscal year.
  • A list, by unit type of the owner’s current assessment, including both regular and special assessments.
  • Its annual financial statements, the results of any audits, and a list of all Association insurance policies.
  • The Association’s bylaws, articles, and rules and regulations.
  • All minutes of the executive board and member meetings for the fiscal year preceding the current annual disclosure.
  • The Association’s responsible governance policies

This information must be readily available at no cost to the owners at their convenience. Availability means it may be published on a web page as long as an accompanying notice is sent via first class or e-mail; it can be maintained as part of literature table or binder at the Association’s place of business; or it may be mailed or personally delivered to the homeowners. The cost of any distribution is to be accounted for as a common expense liability.

Home Buyer Disclosure by Seller

SB 100 states that, except in the case of a foreclosure sale, the seller of a property in a common-interest community must mail or deliver to the purchaser the most current copies of the following documents:

  1. the bylaws and rules on the Association;
  2. the covenants;
  3. the Association’s operating budget;
  4. the declaration;
  5. the association’s annual income and expenditures statement;
  6. minutes from the most recent annual owner’s meeting and any executive board meetings that occurred within the six months immediately preceding the title deadline; and
  7. the Association’s balance sheet.

This law requires the seller to provide the outlined HOA information to the buyer by title deadline, or, in the case of a for sale by owner, no later than 10 days prior to closing.

The new law states also that “written notice of any unsatisfactory provision in any of the documents listed above shall be cause for termination of the contract, if signed by the buyer or on the buyer’s behalf and given to the seller on or before the governing documents deadline.” Time share units are not included in these requirements.

HOA Responsibility

The association must use its best efforts to accommodate a seller request for documents. The Association may charge a reasonable fee, not to exceed the Associations actual cost per page, and must make documents available within 5 days of receipt of notice.

Disclosure Documents/ Receipt of Documents

Additionally, the seller must provide the buyer with a disclosure statement in bold-faced type. It is the seller’s responsibility to obtain from the purchaser a signed acknowledgement of receipt of this information and disclosure statement at closing. This signed form must also be sent to the HOA in a reasonable time frame.

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What Do Colorado’s ‘Move Over’ Laws Mean for You?

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It’s long been the rule of the road that drivers should move over for emergency vehicles. In Colorado, it’s the law. It has been for almost two years. Now, breaking that law will be met with stiffer penalties than ever. The latest legislative session ended with a proposal – Senate Bill 229 – that makes careless driving near emergency responders, tow trucks and public utility vehicles that causes an injury a class 1 misdemeanor. The conviction will carry a sentence of 12 to 18 months in jail, along with a $5,000 fine.

Senate Bill Honors Slain Troopers

Lawmakers drafted the bill, which now sits on the governor’s desk awaiting his signature, in the aftermath of a pair of Colorado Highway Patrol Troopers deaths in separate hit-and-run accidents late last year. Legislators even nicknamed the pending law the “Move Over for Cody Act,” in honor of one of two troopers who’d been killed within days of each other late last year.

A tractor-trailer struck and killed Trooper Cody Donahue on Nov. 25, 2016, on Interstate 25 near Castle Rock, Colorado. Donahue had been responding to another accident on the side of the highway at the time. Less than two weeks earlier, a drunk driver returning home from a Denver Broncos football game ran down Trooper Jaimie Jursevics as she tried to wave him down on I-25 in Castle Rock. The offender tested more than four times over the legal limit of alcohol.

Careless Driving Crackdown

The legislation, which many expect the governor to sign, also bumps up the punishment for a careless driving citation that results in a fatality from a class 1 misdemeanor to a class 6 felony, which would include a 12-18-month jail sentence and a fine that could top out at $100,000.

As they approach emergency vehicles and tow trucks, Colorado motorists are supposed to “proceed with due care and caution and yield the right-of-way by moving into a lane at least one moving lane apart.” The new law includes utility vehicles, as well. The “Move Over for Cody Act” will go into effect Sept. 1, 2017, just in time for all that highway traffic for the Labor Day weekend.

Unfortunately, we are all too familiar with the aftermath of this type of catastrophic injury and loss. As the summer driving season approaches, help those who help us, move over for emergency vehicles, tow truck drivers, and possibly utility vehicles, who are parked on the side of the road.

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Colorado State Fair and Rodeos

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In Pueblo, Colorado there is a State Fair that is filled with Cowboys, and Cowgirls and celebrates Mexican culture in Rodeos and an Annual Fiesta Day. This fair is held every year from late August to early September. Visitors to the fair come to check out the food, and the music and the broncin’ bucks.

This is a Rodeo Fair with both the PRCA and the Charreada Rodeo. At the PRCA you’ll sit on the edge of your seats watching rope tricks, target shooting from a racing horse and the grittiest rodeo riders around. The Charreada has some tough competition but has some scary moments with bull riding and bull tailing in which the charro has to grab the tail of the bull!

There is also the Truck and Tractor Pullers Association Competition with eight classes of competition from the econo-modified small block tractor to the Limited Diesel Tractor. It is extra to see this competition but well worth it for the mud and the glory.

The Pepsi Stage in Family Park is free and open to all fairgoers who are looking for a little entertainment while they relax their feet and enjoy the cool grass and maybe eat something. It along with the Comcast Amphitheatre make great arenas for local Colorado musicians and talent to show off their skills.

For the past thirteen years the fair has been hosting Fiesta Day, a chance to celebrate Hispanic and Mexican food, fun and culture at the fair. It usually goes late, so be sure you can make past midnight without turning into a pumpkin or more likely falling asleep on the drive home!

If you love parades this fair has three of them. The Fiesta Parade is a highlight of the Fiesta Day celebrations with Mexican bands and the traditional Mariachi Mass before the parade. The Kids Parade is just for kids and is filled with kids too; you can come see kids dressed up in their best and most unique costumes as they compete for prizes based on creativity. The State Fair Parade follows a different theme each year and is held towards the beginning of the fair.

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Colorado Land – An Introductory Guide To Buying Land In Colorado

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Colorado has some of the most interesting land for sale in the world. Many people are attracted to the idea of owning property in the mountains and every year flock to ski areas and other tourist spots state wide. In this article I want to outline the very basics of finding and purchasing that perfect property you have always dreamed of and give you an insight into what it takes to make a successful real estate transaction.

Every county in Colorado operates on a different set of rules. That is very important to consider because they each have different ways of doing things, such as assessing taxes, subdivision rules and the issuance of building permits. Some counties are easier to work with than others. Be aware of this when you begin to research an area. It’s not to hard to get a feel for an area just by talking to a few locals. Try calling a local business owner and they probably will be more than happy to talk candidly to you about the town.

Do the general research first and make sure it’s a place you want to put your money. You can get recent sales data, tax info and detailed property information from the County Assessor’s office. Find out about the guidelines for getting a building permit by calling the Land Use Office. If you have a particular piece of property in mind, find out if it is in a subdivision and what the protective covenants are. Another very important issue to mention is water.

The Colorado Division of Water Resources is the place to call. They have data on almost every well drilled in the state. If you are researching a property you can find out if there is an existing well, how deep it is, when it was drilled and so on. They are also the ones who issue well permits for drilling new wells. As far as drilling a well there is some interesting things you need to know. If you have 35 acres or more you are entitled to a domestic well. If you have less than 35 acres you will have to get an in-house use well and will have restrictions on water usage. Talk to a well driller and find out how deep they have to drill for water in that area. If your property has water rights find out what the water right is and how much water it actually amounts too. Many times the water rights can be more valuable than the land. I will elaborate later about water rights but for now keep it in mind.

Talk to a Realtor if you can because they are usually the most knowledgeable people you can find regarding real estate in the area. It will give you a far greater sense of security to deal with a Realtor when going into a transaction because they are professionals and are guided by a code of ethics. Realtors can assist you in finding the property and preparing the paperwork and can make life a lot easier for you in the long run.

If you take the time and do your research I’m confident you will find the perfect property. When you get into the details it can be intimidating. I believe the only way you will find your true comfort zone when purchasing a property is to not only research, but actually walk it from corner to corner so you really know what your getting. It can be worth the plane ticket. Good luck and happy property hunting.

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Legalized Pot Causes Problems for Police in Colorado

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In 2012, Colorado voters overwhelmed approved a change to the state's constitution that allowed the sale and personal consumption of marijuana for recreational use. Sales began in 2014. Since then, the state has issued more than 2,900 marijuana business licenses, 481 of which went to retail dispensaries. As a result, as one media outlet pointed out, Colorado has more pot dispensaries than Starbucks, McDonald's, and 7-Eleven locations combined.

But even though it's legal to consume, it remains illegal to drive while under the influence of marijuana. Tragically, far too many drivers appear to be ignoring that and are putting lives in danger by smoking and driving. If you've been injured in a car accident because of an impaired driver, a personal injury attorney can help.

Fatal Accidents on the Rise

According to analysis by The Denver Post, the number of drivers involved in fatal car accidents who then tested positive for marijuana has jumped every year since legalization. Higher levels of the drug are also appearing in drivers who tested positive. Last year, in one extreme example, one driver tested at 22 times the legal limit for marijuana.

From 2013-16, Colorado experienced a 40 percent spike in the number of traffic fatalities, hitting 880 last year, according to numbers from the National Highway Traffic Safety Administration. The data also reveals that alcohol-related fatalities have been on the rise, climbing 17 percent. The number of drivers who tested positive for marijuana, however, jumped nearly 150 percent, and now make up 10 percent of all fatal car accidents.

While officials are quick to point out that this dramatic increase in marijuana-related traffic deaths can not be tied conclusively to legalization, the numbers are disturbing.

"Unlike alcohol, THC [the active ingredient in marijuana] can remain detectable in the blood stream for days or weeks, when any indemnification wears off in a matter of hours," Taylor West, former deputy director of the National Cannabis Industry Association, told The Denver Post. "So all those numbers really tell us is that, since legal adult-use sales began, a larger number of people are consuming cannabis and then, at some point … driving a car."

Testing is a Problem

That's the problem facing state and local governments. Cannabis use is skyrocketing, but law enforcement officials are still struggling to find a way to definitively test drivers. There's no marijuana breathalyzer or blood test that police can use to test drivers. There are tests that check for delta-9-tetrahydrocannabinol, or THC, but there is not a universally accepted standard that indicates who is actually impaired, despite the frantic efforts of scientists to establish one.

Colorado uses a THC blood test that police can use to reveal what's referred to as "presumed" impairment. Permissible inference is set at five nanograms of THC per milliliter. Alcohol breaks down quickly in the body, making it easy to test for. THC, on the other hand, can linger much longer in the body. In fact, heavy users who then abstain from marijuana can still test positive a month or more later.

At least two private companies are researching breath detection devices, but scientists estimate that they're months or years away from hitting the market. As a result, Colorado has begun training its officers in what to look for during traffic stops when deciding whether a driver is impaired.

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7 Fascinating Things About Colorful Colorado

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Are you planning to move to the state of mountains, rivers, and plains called Colorado? If yes, start looking for homes for sale in Colorado before you change your mind because this place is no less than a heaven! Home to natural beauty and landscape diversity, Colorado is quite a fascinating place to live in.

Here are 7 interesting facts about Colorful Colorado you must know before moving here:

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  1. Colorado style food

Do not forget to have your first Colorado meal in the local food style. This state has mastered in serving the best Mexican food with a unique dash of roasted green chilies on the top. They look tempting and taste even delicious.

  1. Romance is in the air!

If you do not know, Denver is the seventh most sexually satisfied city in the country. This city has higher annual sales of male and female contracepts and an impressive birth rate as well. Pretty ironic! Being in Colorado, you can feel the love in the air and become romantically active.

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  1. Red Rock Amphitheater

Literally built on the rock, Red Rock Amphitheater is one of the most spectacular venues in the United States. In summers, amazing night shows with glittering light work are organized here to entertain the Coloradans. This open theater is also an ideal place to watch the mesmerizing skyline that appears every evening when the sun sets.

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  1. Perfect place for dog people

In Colorado, dogs are welcome pretty much everywhere! Whether you're going to grab a glass of beer from the bar or thinking to take a walk in the park, your dog is allowed to tag along. If you're not a dog person, get mentally prepared to see this human friend everywhere in this state you go.

  1. It's a snow state!

In Colorado, you will see four seasons; spring, summer, fall, and ski! Yes, winter covers this state in the snow that typically starts somewhere in November and last until the beginning of the July, giving people enough time to ski all day long. It's perfect place for professional and amateur skiers. Juts are prepared for sudden snowstorms that might freeze your days.

  1. Keep your camera with you always!

If you're an Instagram person and loves to take photos, this state will give you thousands of opportunities to take them with exotic backgrounds. Snow covered mountains, sloppy roads, pure river water and greenery, you will get a lot of diversity in backgrounds when taking random selfies with your friends on the road.

  1. World's largest natural hot springs are here!

A fascinating fact about Colorado is that it has world's largest natural hot springs in the Glenwood Springs. Living in this state enables the Coloradans to enjoy steamy bathing and relax in the heart of nature.

Colorado is unduly a home to nature's magic and offers a peaceful, happy life. After knowing these fascinating facts, you must be eager to move here. Find yourself a trustworthy real estate agent and buy a perfect home in this perfect state!

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The Growing Private Investigations Market in Colorado

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I love being a private investigator. It is a progressive career and always captures my attention. That is why I am still doing it and plan to make a long career out of investigating. I get bored very easy and this always has something new and interesting to teach me. I started doing insurance investigations. Most liability claims and workers compensation survey. I did the majority of my investigating in Colorado Springs. Once I learned the routes of the trade I expanded my field and area of ​​coverage. I now own my own firm in Colorado Springs and Denver. I conduct surveillance, cheating spouse cases, skip tracing, background checks, child custody cases, corporate investigations and more. I investigate in Denver and Investigate in Colorado Springs, Mostly. But I do cover the entire state of Colorado. I use all types of investigative tools in my trade. I have a 4k hand held camera, various hidden and covert cameras from, key fob cameras to pen cameras to blue tooth cameras. I also have a dash camera and stationary cameras.

I have my criminal justice degree from UCCS. I have been growing in investigating business slowly over the past 9 years and it progresses each year. I have seen my fair share of interesting cases. People claiming to be hurt with a broken ankle when I catch them skiing. My favorite types of investigating cases are child custody cases. I am blessed to help children get out of an abusive home or reunite children with their parents. Cheating spouse cases can be interesting but it does put our society in perspective on how hurtful we can be towards each other.

One of my most interesting cases was locating a homeless person in a large city. This was a large task as most homeless people are completely off the grid. Most people you can locate easily through social media or looking through our databases. Not the case trying to find a homeless person. It takes hours of leg work, talking with people doing private investigating the old school way. I thought it would take me 100 hours to locate this homeless person. However within 24 hrs I had him reunited with his mother. This business of people watching really opens your eyes to a different part of the world, one that is both cursed and blessed. I love helping people and hope to be exploring for years to come.

Investigators are used in a variety of situations. My company has a policy that we only take cases that have a legal status. Are we going to provide a service that will determine which direction that case goes. Can we help bring new information to the case? Vetting agents is a part of the investigation process. There are people out there that want information for not all the right reasons. I have heard of past investigators taking cases where they could have been held liable for giving out sensitive information. A great example would have been a potential client wanted to know where his ex wife was to serve her papers for child customs reasons. After the investigations company did their due diligence they learned the ex husband and potential client had a restructuring order for domestic violence. They declined to take the case, avoiding what could have been very bad for all parties involved.

The private investigator industry is a large part of our history. One of the first investigations company was the Pinkerton company in the late 1800's. The company helped resolve cases for top government officials and large corporations. They did take some controversial cases as well. One of the most notorious cases was the homestead strike. Pinkerton was hired for security at the factories where the strike took place. Shots were fired killing 7 Pinkerton workers and 9 people participating in the strike.

I believe the investigations field is only going to grow and be a more productive industry as our population grows. It helps hold people accountable and resolve issues of conflict. The investigation field has evolved with new technologies available making it easier and more time efficient to conduct certain types of investigations such as missing person investigations or background checks.

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Careless Driving – The Colorado Catch-All Traffic Offensive

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One of the most ubiquitous traffic violations in Colorado is Careless Driving. The Colorado Careless Driving statute provides, in part, that:

"A person who drives a motor vehicle, bicycle, electrical assisted bicycle, or low power scooter, in a careless and imprudent manner, without due regard for the width, grade, curves, corners, traffic, and use of the streets and highways and all other attendant circumstances, is guilty of careless driving. "

In addition to the state statute, most Colorado municipalities have adopted the Colorado Uniform Traffic Code, which states essentially the same provision, but designates the accusation as a municipal ordinance violation rather than a state criminal indemnity. The City of Denver also has a municipal ordinance prohibiting careless driving, but defines Careless Driving in a different and abbreviated manner. The Denver ordinance also adds that a driver can be considered to have driven carelessly if the driver should lose control of his or her vehicle vehicle theby endangering or colliding with any person, structure, thing, vehicle or other conveyance.

A driver can be charged with Careless Driving either as an ordinance violation, typically heard in a municipal court, or under the state statement, which is typically heard by a judge sitting in a Colorado County Court. Although municipal ordinances are in many ways analogous, this article focuses upon the provisions of the Colorado state Careless Driving statute.

A primary reason the Careless Driving allegation is so common in Colorado is that the charge itself is vague, and open-ended, to the point wheree any type of deviation from routine driving can be considered to be Careless Driving. Thus it can be argued to be applicable in almost any potential circumstance.

In addition to being issued when a person is deemed to have driven carelessly, as the sole offense, a Careless Driving allegation is also frequently issued in conjunction with a speeding violation. This happens if either the officer believes the speeding was, in and of itself, careless, or there was some other independent action of the driver, not directly due to the speed, which the officer believes was careless given the speed the vehicle was traveling. Quite often this additional independent alleged traffic violation is some form of aggressive driving.

Another reason the Careless Driving violation is frequently issued is that Careless Driving can be alleged against a driver for driving that takes place upon private property. Often this is a privately owned and operated parking lot. In contrast, most Colorado traffic citations can be issued only for alleged driving violations occurring on public streets and roadways and can not be issued for a violation alleged to have occurred upon private property.

In addition to Careless Driving being a vague and open-ended potential misdemeanor traffic liability, Colorado law also sets forth certain specific instances when a person can be considered to have driven carelessly. For instance, bicycle riders are provided for certain rights when riding on a roadway. If a person drives a motor vehicle, in a careless and imprudent manner, unnecessarily close to, towards, or near a bicyclist, the driver is deemed to have driven carelessly.

Perhaps the most pervasive, and surprising circumstance to drivers, is when the charge of Careless Driving is made after there has been a vehicle accident, often regardless of the actual cause and no matter whether the accident is serious or minor. Typically, when an accident takes place, the individual liable is guilty of violating a relatively specific, and limited in scope, traffic infraction. Such traffic infractions include following too closely, in the event of a rear end collision, or failing to yield to approaching traffic when making a left hand turn, or disregarding a traffic control device, such as a red light or stop sign, in collisions taking place at intersections.

Although it is typically the case that a person in an accident may more accurately be considered guilty of a specifically defined, and limited in scope, traffic infraction, law enforcement officers will routinely issue the vague and substantively more serious misdemeanor traffic liability charge of Careless Driving . This is due, to a large extent, to the later availability to the prosecution of more severe penalties, and also a potential order for restitution being issued against the driver denied of Careless Driving.

There are substantial differences in the consequences between the numerous traffic infractions and a misdemeanor traffic liability such as CarEless Driving. Traffic infractions are considered civil matters in Colorado and a person normally receives a fine, court costs, and penal points against their license. A driver can not be jailed completely upon a traffic infraction conviction and the Court can not issue an arrest warrant. Careless Driving, as a misdemeanor traffic oath, carries the potential of substantive criminal penalties.

If a person is convicted of driving carelessly, with no resulting injuries whatsoever to any person, the driver is deemed to have committed the somewhat less serious Class 2 Misdemeanor Traffic Offense. However, if a person drives carelessly, and that careless driving results in a person being injured, or results in the death of a person, or in a pregnancy being prematurely terminated, due to the careless driving, the driver is then accused to have committed a Class 1 Misdemeanor Traffic Off.

The less severe Class 2 Misdemeanor Traffic Offset is punishable by a sentence of from ten (10) days to ninety (90) days imprisonment, and a fine of from $ 150.00 to $ 300.00, or by both a jail sentence and a fine. The more severe Class 1 Misdemeanor Traffic Offset is punishable by a sentence from ten (10) days to a maximum of one (1) year imprisonment, or by a fine of $ 1,000.00, or by both a fine and imprimentment. The misdemeanor traffic offense of careless driving is a four (4) point indemnity without the Careless Driving results in death in which circumstance it is a twelve (12) point violation.

The consequences of a Careless Driving conviction also vary in another fundamental way from a conviction for a traffic infraction. An order of restitution can be entered by a trial court judge against the responsible party in a traffic accident if there is a conviction for a misdemeanor traffic oath against the responsible party. This restitution order can compel the responsible party in a traffic accident to pay amounts to other parties. These amounts are typically for property damages and personal injuries, incurred by the other parties to the accident, in the event certain expenses have not been covered by the responsible party's vehicle liability insurance. An order for restitution is not allowed under law if the responsible driver is denied of only a traffic infraction.

Although penalies are less severe a driver has fewer rights in a civil traffic infraction prosecution to defend against the allegation. For instance, an accused person does not have a right to a jury trial in most traffic infraction prosecutions. Many traffic infractions are also strict liability violations. It does not matter, in a strict liability traffic infraction prosecution, whether the person accused intended to violate the law, nor does it even matter whether the person actually knew, as of the time, that they were violating a traffic law. All that needs to be shown, by the prosecutor, is that the person violated a strict liability traffic prohibition.

A prosecution for a strict liability traffic infraction, causing an accident, is analogous to the level of culpability for an individual to be held responsible for civil damages resulting from a traffic accident. The criteria in the civil court, for a damages claim, is typically that a driver was negligent and that the negligence was the cause of the accident. It is not necessary for a party, seeking compensation in a civil court, to show that the accused driver intended to drive negligently, or even that the accused driver understood, at the time, that the driver was driving in a negligent manner.

Although penalies are significantly more severe, there are substantially greater rights a person prosecuted for Careless Driving has in the Court. While these are the right to a jury trial and to force the prosecutor to prove the individual guilt, beyond a reasonable doubt, of actually having driven carelessly.

There is also another substantive benefit to an accused driver, and a substantial burden of the plaintiff, in bringing, and obtaining a conviction in, a Careless Driving prosecution. A provision in the Colorado Careless Driving statute states that the accused driver must have driven, "without due regard." This phrase of, "regardless due," is interpreted to mean that the driver must have, at least to some extent, actually intended to have driven carelessly. In other words, a driver, who did not at all intend to drive carelessly, typically can not be convoked of Careless Driving. Put another way, a person can not accidentally drive carelessly.

Careless Driving is a very often issued traffic violation in Colorado. Drivers in the Denver area, and in other areas of the state, should be aware of both the penalties that are possible and their rights to contest the pandemic catch-all charge of Careless Driving.

Legal Disclaimer – The information contained at this web site is not intended to be legal advice and all information relating to Colorado law is general content only and should not be relied upon for any specific Colorado criminal law situation. Information on this web site is not intended to be comprehensive and does not cover all the issues, nuances or ramifications related to the topic discussed.

Individuals should consult an experienced Colorado criminal lawyer for advice regarding an individual situation.

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Selling My House in Colorado Springs

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Colorado Springs currently has one of the hottest housing markets in the country. Numerous people want to move to Colorado due to the booming economy. The state of Colorado, also, has numerous places where people can enjoy the beautiful outdoors.

As a result of high housing demand, the home prices in this area have doubled in less than a decade. Anyone who wants to sell their home can make a lot of money with the current market conditions. People saying, "sell my house fast" should work with an experienced real estate agent in the local area.

Average Selling Price

The average selling price of a home is $ 325,000. This is much higher than just a few years ago. There is limited inventory in the city of Colorado Springs, and many people want to move to the area. One of the largest benefits of living in Colorado Springs is the public school system. This is a great place to raise a family; one reason why home prices are eight percent higher than last year.

Until more homes are built, the average selling price of a home in this popular city will continue increasing.

Average Days on Market

The average days on market metric is 53 days here. This metric shows that homes are selling within a few days of listing. The closing process for a home usually takes about 45 days. Some homes take months to sell, and there are homes that have sold within a few minutes of listing.

Even with housing prices higher than last year, this metric has decreased from a year ago. This shows how high demand is for homes in this location

Average Number of Homes Sold

Each month, there are about 270 homes that sell here. This number increases in the warmer months. Looking for a home in Colorado Springs is much more enjoyable when it is warm outside. Anyone saying, "sell my house fast" should consider selling their home in the spring or summer.

Future Market Trends

The housing market in this city are going to continue increasing in value in the months ahead. The local economy is strong, and many people are drawn to Colorado Springs due to the public education offered to children. The number of new homes is simply not enough to satisfy the demand from home buyers. Now is a great time to sell a home in Colorado Springs, CO.

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Colorado Medicaid Vision Care Benefits – 6 Things You Need to Know About Your Eyecare

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Your Colorado optometrist may participate in Medicaid and provide eye exams and glasses for your children at no cost to you. Almost 1 of every 4 children in Colorado is insured through Medicaid. Because so many children are covered under Medicaid there are six points you need to understand.

  1. Medicaid coverage for vision varies state by state so do not presume you will have the same benefits when moving to Colorado from another state. There are different types of vision care coverage for children and adults. Changes in eye care benefits have occurred in the last few years, and will continue to change with health care reform. Expansion or cut backs in benefits may occur at any time. Medicaid is a state run program run in cunjunction with the Federal Governement. States can vary the coverage policies to some degree. The state of Colorado has it's own plan. One example of the differences is adult coverage. Adults have a $ 2.00 co-pay for eye exams and limited benfits for eyeglasses. Many states have full coverage for adults.
  2. For Medicaid vision coverage in Colorado, children's vision insurance coverage is defined by age 20 and under. When reaching age 21, Colorado Medicaid counselors you an adult and the benefits change. Children are eligible for an eye exam by their optometrist as needed with no co-pay.
  3. Contact lens fitting fees entail additional charges above the regular eye examination. These are not covered unless there is an eye disease that warps the cornea. Contact lenses may be the only way to provide acceptable visual acuity. The actual contact lenses are also not covered unless they are applicable medical diagnosis. This is not a area where a patient can plead their case. If there are specific medical conditions requiring contact lenses your eye doctor has to file a form to have your case considered. The review process can take several weeks to several months. It is normally approved if contact lenses are the only way to correct your vision due to a corneal eye disease. Your optometrist may have to submit a form for prior authorization more than once to communicate the need for special consideration, so you will need to have some patience.
  4. A standard eyeglass frame and lenses are covered with no co pay. A standard frame means frames are limited to inexpensive frames. That does not mean that they are unnecessarily low quality. Your optometrist is only allowed a limited reimbursement for the eyeglass frame. Repairs for broken frames or lenses are a benefit, and a replacement frame is provided if the frame can not be repaired. While this is not necessarily an unlimited benefit, it can be used more than once if your child is already to breaking glasses. Loss of eyeglasses is not specifically defined as a benefit but may be covered.
  5. Lens treatments such as scratch resistant coatings, glare free coatings, tints, and thin lens materials are not covered. Scratch resistant coatings are the one option you should purchase. Prescription eye glass lenses without a scratch coating will most likely have scratch marks on them within a day or two of teenager usage. Scratch resistant coatings are not scratch proof, but they will certainly extend the usable life of the lenses. There is a way to have thinner, lighter lenses covered for your child. If you request polycarbonate lenses, they will be much thinner and attractive for higher eye glass lens prescriptions, and help your child's self image. Polycarbonate lenses are usually recommended for children and teens needing eyeglasses due to their extreme impact resistance.
  6. Other services may be available with prior authorization. Vision devices for children that have significant sight loss from eye diseases, some lens treatments, therapy for lazy eye, and other services are sometimes approved. Do not expect a fast approval, but it is worth the wait when the service ends up being covered.

Medicaid is constantly changing and this information is provided as educational, not as representative of current state policy. Different types of programs are available in some areas of Colorado. Eligibility for enrolling in Medicaid and understanding your vision benefits is your responsibility, and the State of Colorado has resources to help you. Visit the Colorado State website at: www.colorado.gov/hcpf [http://www.colorado.gov/hcpf]. Thousand of children are eligible for Medicaid coverage in Colorado but are currently not audited or covered by any insurance plan. You can help keep your kids healthy by taking the time to enroll them now, and keeping up with annual preventive eye doctor examinations.

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