The state of Colorado is cracking down on Insurance carriers for using the same language as the Affordable Care Act policies but don't qualify as ACA compliant. If a plan says it is not "major medical coverage" you need to be asking questions. You not only risk paying the penalty for not having a compliant plan you could end up with huge out of pockets.
When purchasing insurance consider using the services of a licensed health agent or broker. Those agents affiliated with associations like the National Association of Health Underwriters can be found at NAHU.org. Agents affiliated with NAHU and other organizations like them have access to continuance education materials that keep them current and up to date with the laws of your state. Using the service of a licensed agent cost you nothing extra and you now have a relationship with someone looking out for your interest. To learn about about using an agent visit our websites Your Health Benefits Market Place or Your Medicare Marketplace and look for the "Why Use An Agent" page".