Individuals and families living in Delaware should be aware of the various rules in effect to protect and regulate their insurance coverage. Although many of these rules are in effect in other states, it is important for citizens to know how they may differ in Delaware. For example:
- Although guaranteed renewability is in effect, access to individual health insurance can be denied due to health status.
- Exclusions for pre-existing conditions are decided on by individual insurance companies.
- Insurers do not have to credit prior coverage against the pre-existing exclusion period.
Request more information about Affordable Health Insurance Solutions in Delaware >>
Families of limited income will find health insurance opportunities through the Delaware Health and Social Services Department. Medicaid offers coverage to those living under the federal poverty limit (FPL), while Healthy Children, the state's S-CHIP offering, provides children under 19 of limited-income families comprehensive medical care. Other governmentally assisted programs for the uninsured include the Screening for Life program for women and the Delaware Cancer Treatment Program, which pays for medical treatment.
For those whose income puts them out of reach of state aid, there are still many health insurance options, including the following:
- Medical discount plans: These private health insurance plans offer consumers up to 40% off medical costs, including prescription drug savings. The cost begins at $19.95/month per person.
- Association medical plans: For residents of the state who are involved in a community or leisure group, such as a union or club, there are a number of group insurance options available through these affiliations.
Request more information about Affordable Health Insurance Solutions in Delaware >>
Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.
