Delaware Health Insurance
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According to the Center for Disease Control, between 2001 and 2003 an average of 10.1% of Delaware residents a year did not have Delaware health insurance.
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Delaware Health Insurance Regulations
Delaware health insurance cannot be canceled on basis of illness but can, however, be cancelled due to non-payment or false information. All Delaware medical insurance companies are regulated under the guaranteed renewability provision which guarantees and individual the right to renew a current Delaware health insurance policy.
Delaware health insurance companies can also implement a policy regarding pre-existing conditions. This pre-existing exclusion period means that if an individual has a medical condition prior to the beginning of a Delaware health insurance plan than that individual must wait for a period of time before the new insurance covers the illness questioned. The amount of time is based on the company’s decision. Under the state regulations, Delaware health insurance companies can exclude coverage for conditions for any amount of time, even permanently.
Delaware health insurance companies may or may not be licensed in the state of Delaware. If the Delaware health insurance company is licensed in the state then the company has passed Delaware health insurance regulations. There are little regulations in the state regarding the price of Delaware health insurance.
Delaware health insurance companies can use health and age as decisions on how much to charge for health insurance or whether to withhold coverage at all. This means that the Delaware health insurance rates vary based on the individual. The guaranteed renewability provision, however, protects those currently covered who wish to renew their policies. Delaware health insurance cannot be denied under group and employer health plans.
Alternative Delaware Health Insurance Options
For those individuals who are either “uninsurable” or cannot otherwise afford regular individual Delaware health insurance there are state-run organizations that may help. Some options are:
- Delaware Medicaid and Prescription Assistance Program is designed to assist those who meet the eligibility criteria.
- Delaware Healthy Children Program is the Delaware health insurance program for Children under the age of 19 whose families do not qualify for Medicaid but who may not be able to afford Delaware health insurance.
Information on Delaware Health Insurance
Delaware Medicaid and Prescription Assistance Program:
www.dhss.delaware.gov
Delaware Department of Insurance
Delaware Insurance Commissioner and Department of Insurance:
www.state.de.us
Main Office
841 Silver Lake Blvd.
Dover, DE 19904
Phone Number: (302) 674-7300
Delaware Health Insurance Organizations
According to the Delaware Insurance Department the following are a list of Authorized Delaware health insurance companies:
- AVIVA LIFE INSURANCE CO OF NY
- HANNOVER LIFE REASSUR CO OF AMER
- NATIONAL LIFE & ACCIDENT INS CO, THE
- OPTIMUM RE INSURANCE CO
- PROTECTIVE LIFE & ANNUITY INS CO
- U.S. BRANCH OF CLARICA LIFE INS CO
- AIG LIFE INSURANCE COMPANY
- AMERICAN CREDITORS LIFE INS CO
- AMERICAN LIFE INSURANCE CO
- AVIVA LIFE INSURANCE COMPANY
- AXA CORPORATE SOLUTIONS LIFE
- CHASE LIFE & ANNUITY COMPANY
- CIGNA WORLDWIDE INS CO
- COVENTRY HEALTH AND LIFE INS CO
- DELAWARE AMERICAN LIFE INS CO
- DELTA DENTAL INSURANCE CO
- DENTEGRA INSURANCE COMPANY
- GENWORTH LIFE INSURANCE COMPANY
- GLOBE LIFE & ACCIDENT INS CO
- GUARDIAN INS & ANNUITY CO, INC.
- HORIZON HEALTHCARE INS CO OF DE
- HOUSEHOLD LIFE INS CO OF DE
- INDEPENDENCE INSURANCE, INC.
- INVESTORS INSURANCE CORP
- MAGELLAN LIFE INSURNCE CO
- MANULIFE INSURANCE COMPANY
- MELLON LIFE INSURANCE CO
- METLIFE INVESTORS USA INS CO
- METROPOLITAN TOWER LIFE INS CO
- NATIONWIDE LIFE & ANN CO OF AM
- NATIONWIDE LIFE INS CO OF DE
- NEW YORK LIFE INS & ANNUITY CORP
- PARK AVENUE LIFE INS CO
- PENN INSURANCE & ANNUITY CO
- PERICO LIFE INSURANCE COMPANY
- RELIANCE LIFE INSURANCE CO
- RENAISSANCE LIFE & HEALTH INS CO OF AMER
- SAGE LIFE ASSURANCE OF AMERICA
- SCOTTISH RE (U.S.), INC.
- SCOTTISH RE LIFE CORPORATION
- SUN LIFE ASSSUR OF CANADA (U.S.)
- UNION SECURITY LIFE INS CO
- UNITED AMERICAN INS CO
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