| Thursday, September 2, 2010 |
 |
Delaware Health Insurance (DE)Choose from the list below to learn more about specific health insurance providers in Delaware. Read on to learn about health insurance regulations in your state. Or enter your zip code in the box to the right to request a health insurance quote. Get a quote for Delaware health insurance now. >>
Delaware Health Insurance Providers (DE)
Delaware Individual Health Insurance (DE)Insurance companies in Delaware are able to turn you down for health insurance because of a health problem. If you are HIPAA eligible, insurance companies must offer you a choice of two policies. With a pre-existing condition, insurers are allowed to look back five years at your medical history. They can impose exclusions through an elimination rider and do not have to recognize continuous insurance coverage. There are no rules governing the length of an exclusion period for the condition. After a policy is issued, insurance companies are still allowed to exclude medical conditions that they originally covered. In Delaware, pregnancy can be considered a pre-existing condition. There are no limitations on the premium costs. Once you have individual insurance, however, you cannot be cancelled due to illness. Delaware Group Health Insurance (DE)Group health insurance in Delaware cannot be denied because of a health problem, provided you qualify for group coverage. Many employers require a waiting period before offering group coverage to their new employees. The insurance companies have a look back period of only six months to review pre-existing conditions. The limit for exclusion of a pre-existing condition from group coverage is 12 months. If you had continuous coverage with no break of more than 63 days, you will be given creditable coverage for the exclusion period. Delaware Small Business Health Insurance (DE)Small businesses cannot be refused small group health coverage. However, employers with more than 51 employees can be turned down for large group health insurance. Although plans cannot be cancelled due to illness of a member within your small group, your premium can rise with certain limitations. Delaware Self-Employed Health Insurance (DE)Self-employed individuals are allowed to purchase 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 Department of Insurance Delaware State Insurance Programs (DE)Medicaid is available for low income individuals. In addition, Delaware Healthy Children Program serves children 19 and under who may not be eligible for Medicaid. There are also several other programs that provide assistance to residents with health issues.
Request a health insurance quote now >>
*As an informational resource, we provide content about insurance companies, products and services; we make no representation, express or implied, of any sponsorship by or any other relationship with any company on this site. Quotes are provided through insurance brokers, agents, or other representatives who may or may not be able to obtain quotes from any particular company. We make no representation, express or implied, that a user will be able to obtain an insurance quote from any particular insurance company.
|
|
*Get a Free Consumer Guide to the 2010 Health Reform*
Five Tips to Keep Cancer at Bay |
|
Types of Coverage |
|
Search by Location |
|
Key Facts... From 1999 to 2009, employer-sponsored family health insurance premiums increased 131% and the average annual cost of coverage went from $5,791 to $13,375. You may be able to lower costs by switching to a private plan. Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2009. The Recession of 2008-2009 meant that 6.9 million people lost their employer-sponsored insurance. Of those, 3 million became uninsured. Source: Based on John Holahan and Bowen Garrett, "Rising Unemployment, Medicaid, and the Uninsured." Among 300 million Americans, 15% are uninsured, 52% have coverage through an employer, 27% are covered under Medicare/Medicaid, and only 5% have private non-group coverage. Are you insured? If not, then request a quote today. Source: Kaiser Commission on Medicaid and Uninsured/Urban Institute analysis of March 2009 CPS. Average premiums for health insurance coverage range widely from state-to-state. In New York, annual premiums are an average of $6,630, while in Iowa they are $2,606. Find out how much you can save by requesting a quote. Source: AHIP Center for Policy and Research. "Individual Health Insurance 2009." |
 |
|
 |