Delaware Health Insurance Coverage...
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Affordable Health Insurance in the State of Delaware...

If you are searching for ways to lower your health insurance costs and you live in the State of Delaware...We, here at HealthInsureCoverage.com, work hard to supply you with the information you need to make an informed decision regarding your health insurance needs and requirements.

• First, a quick summary of the Protections afforded you in Delaware.
     Numerous state and federal laws make it easier for people with pre-existing conditions to get or keep health insurance, or to change from one health plan to another. A federal law, known as the Health Insurance Portability and Accountability Act (HIPAA) sets national standards for all health plans. In addition, states can pass different reforms for the health insurance plans they regulate (fully insured group health plans and individual health plans), so your protections may vary if you leave Delaware. Neither federal nor state laws protect your access to health insurance in all circumstances.
• There is a process called NonDiscrimination.
     Coverage under your group health plan (if your employer offers one) cannot be denied or limited, nor can you be required to pay more, because of your health status.
• All group health plans in Delaware must limit exclusion of pre-existing conditions.
     There are rules about what counts as a pre-existing condition and how long you must wait before a new health plan will begin to pay for care for that condition. Generally, if you join a new group plan your old coverage will be credited toward the pre-existing condition exclusion period, provided you did not have a long break in coverage.
• Your health insurance cannot be canceled because you get sick.
     All health insurance is guaranteed renewable.
• If you leave your job, you may be able to remain in your old group health plan for a certain length of time.
     This is called COBRA continuation coverage. If you work for an employer with 20 or more employees, it can help when you are between jobs or waiting for a new health plan to cover your pre-existing condition. There are limits on what you can be charged for this coverage.
• If you are federally eligible, you can buy an individual health plan from any insurance company that sells such plans in Delaware.
     Insurance companies must offer you a choice of at least two policies. However, they may charge you significantly higher premiums due to your health status, age, or other factors.
• All health plans for small employers must be sold on a guaranteed issue basis.
  If you are a small employer buying a group health plan, you cannot be turned down because of the health status, age, or any other factor that might predict the use of health services of those in your group.
• If you are a small employer buying a group health plan, there are limits on how much your premiums can vary due to the health status, age, industry, or other characteristics of those in your group.
     Even within these limits, however, premiums can be significantly higher if someone in your group has a serious health condition.
• If you have low or modest household income, you may be eligible for free or subsidized health coverage for yourself or members of your family.
     The Delaware Medicaid program offers free health coverage for pregnant women, families with children, and elderly and disabled individuals with very low incomes.
• 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.
  
• WHAT ARE THE LIMITS ON MY PROTECTION?
     If you change jobs, you usually cannot take your old health benefits with you. Except when you exercise your federal COBRA, you are not entitled to take your actual group health coverage with you when you leave a job. Your new health plan may not cover all of the benefits or the same doctors that your old plan did.
• If you change jobs, your new employer may not offer you health benefits.
     Employers are required only to make sure that their decision is based on factors unrelated to your health status.
• If you get a new job with health benefits, your coverage may not start right away.
     Employers and health maintenance organizations (HMOs) can require waiting periods before your health benefits begin.
• If you work for a non federal government employee in Delaware, not all of the group health plan protections may apply to you.
  
• If you have a break in coverage of 63 days or more, you may have to satisfy a new pre-existing condition exclusion period when you join a new health plan.
• Even if your coverage is continuous, there may be a pre-existing condition exclusion period for some benefits if you join a self-insured group health plan that covers certain benefits your old plan did not.
     For example, say you move from a group plan that does not cover prescription drugs to one that does. You may have to wait up to one year before your new self-insured health plan will pay for drugs prescribed to treat a pre-existing condition.
• In Delaware, your access to individual health insurance may depend on your health status.
     Unless you are federally eligible, private insurers in Delaware may turn you down, charging more, or limit your coverage because of preexisting conditions. Once you obtain coverage, your ability to switch plans may be limited, as well. While you have protections when you move from an individual policy to a group plan, Delaware law does not protect you from the imposition of preexisting condition exclusions when you move from one individual plan to another, even if you had prior continuous coverage. Furthermore, you are not assured the right to buy another individual policy.
• Even if you are federally eligible, you can be turned down for some individual health plans.
     The law permits insurance companies to limit your choices to two plans, which are supposed to be comparable to others they sell in the individual market in Delaware.

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