Health Insurance Carriers in Delaware (DE)

To find the best health care plan for your personalized needs, you should be fully informed. We’ve compiled information about Delaware health insurance below to help you out as well as listed a few recommended provider links as well.

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Health Insurance Providers in Delaware

Aetna
American Medical Security
Assurant Health (Formerly Fortis)
Celtic
Clarendon National
Fairmont Specialty Group (TIG)
Golden Rule
Security Life

Individual Health Insurance in Delaware

• Under individual insurance policies, the providers can turn down applicants for a health problem.
• If HIPAA eligible, providers must offer a choice of two policies.
• With a pre-existing condition, insurers may review five years of medical history.
• Providers can impose exclusions through an elimination rider, don’t have to recognize continuous coverage, and have no rules limiting the length of an exclusion period.
• After a policy is issued, insurers may exclude medical conditions that they originally covered.
• Pregnancy can be classified a pre-existing condition.
• There are no limitations on the cost of premiums.
• Coverage cannot be cancelled due to illness.

Group Health Insurance in Delaware

• Insurance cannot be denied because of a medical problem to those who qualify.
• Many employers require a wait period before offering coverage to new employees.
• The providers have a review period of six months to look for pre-existing conditions.
• The time limit for exclusion periods on a pre-existing condition is 12 months.
• If coverage is maintained with no break of more than 63 days, creditable coverage is available.

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Small Business Health Insurance in Delaware

• Small businesses cannot be refused small group coverage.
• Employers with more than 51 employees can be denied large group insurance.
• Coverage cannot be cancelled due to illness of a member within the group but premiums may rise within limits.

Self-Employed Health Insurance in Delaware

• The self-employed may buy small group health plans.
• The use of professional associations for availability of group health insurance is governed by the state. Contact the Delaware Department of Insurance for details.
  

Delaware Health Care Programs

The most up-to-date and accurate information can be found at the department of insurance:

Delaware Department of Insurance
841 Silver Lake Blvd
Dover, DE 19904
(302) 739-4251
www.state.de.us/inscom/default.shtml

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