Delaware Health Insurance

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.

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.

Delaware Department of Insurance

Delaware Insurance Commissioner and Department of Insurance:

Main Office
841 Silver Lake Blvd.
Dover, DE 19904
Phone Number: (302) 674-7300

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For other Delaware Insurance Resources, See:

• Delaware Auto Insurance
• Delaware Home Insurance
• Delaware Health Insurance

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