Family feels scammed after birth isn't covered by hospital indemnity insurance

The Heil family of Centennial experienced several firsts, including the birth of their son. They enrolled in MetLife's Hospital Indemnity Insurance, expecting coverage for their hospital stay. However, their claim was denied due to a pre-existing condition, as pregnancy was considered a sickness under the policy. Despite filing a complaint, the denial was upheld. Expert Govind Prasad explains the latitude of such plans and advises checking if a plan is covered under the Affordable Care Act. He suggests consulting HR and reading the fine print. The Colorado Consumer Health Initiative may offer additional support.

What advice does Govind Prasad give regarding health plans?

What is the role of the Colorado Consumer Health Initiative mentioned in the text?