Delaware Health Insurance

Whether you live in New Castle or Milton, health-insurance.org can guide you through the process of finding a quality health care provider so that you can get you or your family the health care coverage they need.

Delaware Family Health Coverage (DE)

Delaware has many options for you to find a quality health care plan for you and your family. One option is group health insurance. Group plans are commonly provided by employers or organizations for their employees or members. Group providers cannot turn you away or charge you more because of your health status. Individual health insurance is another option, and though more costly, can be a good alternative if you are unemployed or self employed. Unfortunately, individual insurance companies can deny you based on an applicant's health status.

For lower income families, the Delaware Medicaid program offers free health coverage for pregnant women, families with children, and elderly and disabled individuals. Also, if your children are 18 years old or younger, do not have health insurance, and meet other qualifications, you may be able to buy insurance for them through the Delaware Healthy Children Program.

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Getting Yourself a Health Care Policy in Delaware (DE)

Finding health insurance for one person is a lot easier than for a whole family. Your choices include group health insurance plans and individual health insurance plans.

Group health insurance is easy to attain if your employer or a group you belong to provides a group health plan. These group health plans offer four different kinds of coverage; HMOs, PPOs, POSs, or HSAs.

If you are not able to attain a group health plan, than an individual health care plan will be your way to go. Keep in mind when applying for individual health insurance that insurers that sell individual health insurance in Delaware are free to turn you down because of your health status and other factors. And even if you are accepted for individual health coverage, there are no limits on how much individual premiums can vary due to age, gender, health status, family size, and certain other factors.

Changing Health Plans in Delaware (DE)

Delaware state law protects all of its residents when buying or changing health insurance policies. A few things you should know about Delaware state law:

• If you leave your job, you may be able to remain in your old group health for a period of time (COBRA continuation).
• If you get a new job with health benefits, there may be a waiting period before your coverage starts.
• If you move away from Delaware, you may not be allowed to buy individual health insurance in any other state unless you are HIPAA eligible.
• If you are leaving a job which provided a group health plan, you should contact the U.S. Department of Labor to find out if you qualify for COBRA, which would help you to extend your stay until you can find a new carrier.

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Delaware Pre-Existing Health Conditions Laws (DE)

A group health plan can apply a pre-existing condition exclusion period only if you actually received (or were recommended to receive) a diagnosis, treatment or medical advice for a health condition within the 6 months immediately before you joined that plan.

There are a number of insurances defined as "high risk pool" insurances that operate in Delaware. While these companies may charge premiums that are 1.5 to 2 times the average premium for mainstream insurance companies, they nevertheless will offer you some peace of mind when it comes to obtaining insurance coverage. These companies will have some limitations in terms of coverage, and they will ask you to agree to a waiting period of six to twelve months before pre-existing conditions are covered. Before buying a policy from a company that offers "high risk pool" insurance, it is best to research their policies to discern exactly what they will cover, and exactly when they will start to cover it. Delaware's Insurance Commissioner will have information on these companies and can direct you to the option that is most appropriate for your pre-existing condition.

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