Delaware Health Insurance
Updated June 08, 2015.
Delaware Department of Insurance
The Delaware Department of Insurance is responsible for regulating all types of insurance sold in the state of Delaware - including health insurance policies.
If you are looking for health insurance coverage, they have lists of insurance agents and insurance companies licensed to do business in Delaware. Go here to find out if your insurance company or agent is licensed to do business in Delaware.
If you are having trouble resolving a claims dispute with your insurer, you can file a complaint with the Department of Insurance. They have an online consumer complaint form here.
U.S. Department of Labor
If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees - for example, your employer cannot single out an individual employee to exclude her from the plan because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job. The EBSA works to make sure that all of this happens and your rights are protected.
If you have concerns about your employer's practices in administering your job-based health coverage - for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan - contact your regional EBSA office.
Buying Individual Policies in Delaware
Unfortunately, Delaware law allows insurers offering individual policies to reject applicants for having preexisting medical conditions. However, all "HIPAA-eligible" individuals are guaranteed the right to purchase an individual policy regardless of their health status. "HIPAA eligible" individuals are those who have left group health coverage AND fully exhausted all COBRA or state continuation coverage for which they are eligible.
Delaware Healthy Children - the state Children's Health Insurance Program
Delaware Healthy Children provides health insurance coverage for children under age 19 whose family meets certain income guidelines.
ELDERInfo
The Delaware ELDERInfo Program provides free one-on-one counseling for Medicare beneficiaries with questions about any aspect of Medicare, including the new Part D prescription drug benefit, or Medigap coverage.
Delaware Medicaid
Medicaid is a government program designed to help the poor and indigent obtain health care services. Pregnant women and children under age 19 who meet certain income requirements may be eligible for Medicaid coverage, along with aged, blind, and disabled individuals. For more information about eligibility, contact the Delaware Division of Social Services office..
Delaware Department of Insurance
The Delaware Department of Insurance is responsible for regulating all types of insurance sold in the state of Delaware - including health insurance policies.
If you are looking for health insurance coverage, they have lists of insurance agents and insurance companies licensed to do business in Delaware. Go here to find out if your insurance company or agent is licensed to do business in Delaware.
If you are having trouble resolving a claims dispute with your insurer, you can file a complaint with the Department of Insurance. They have an online consumer complaint form here.
Delaware Department of Insurance
841 Silver Lake Blvd.
Dover, DE 19904
Phone: 800.282.8611 or 302.674.7310
Email: consumer@deins.state.de.us
http://www.state.de.us/inscom/default.shtml
U.S. Department of Labor
If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees - for example, your employer cannot single out an individual employee to exclude her from the plan because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job. The EBSA works to make sure that all of this happens and your rights are protected.
If you have concerns about your employer's practices in administering your job-based health coverage - for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan - contact your regional EBSA office.
U.S. Department of Labor Employee Benefits Security Administration
Philadelphia Regional Office
Curtis Center
170 S Independence Mall West, Suite 870 West
Philadelphia, PA 19106-3317
Mabel Capolongo - Director
Phone: 215.861.5300
Fax: 215.861.5347
http://www.dol.gov/ebsa/
Buying Individual Policies in Delaware
Unfortunately, Delaware law allows insurers offering individual policies to reject applicants for having preexisting medical conditions. However, all "HIPAA-eligible" individuals are guaranteed the right to purchase an individual policy regardless of their health status. "HIPAA eligible" individuals are those who have left group health coverage AND fully exhausted all COBRA or state continuation coverage for which they are eligible.
Delaware Healthy Children - the state Children's Health Insurance Program
Delaware Healthy Children provides health insurance coverage for children under age 19 whose family meets certain income guidelines.
Delaware Healthy Children
The Division of Social Services
The Lewis Building
1901 N. Du Pont Hwy.
P.O. Box 906
New Castle, DE 19720
Phone: 800.372.2022 or 302.255.9500
Email: dhssinfo@state.de.us
http://www.dhss.delaware.gov/dhss/dss/dhcpqualify.html
ELDERInfo
The Delaware ELDERInfo Program provides free one-on-one counseling for Medicare beneficiaries with questions about any aspect of Medicare, including the new Part D prescription drug benefit, or Medigap coverage.
ELDERInfo
Phone: 800.336.9500
http://www.state.de.us/inscom/departments/elder/eldindex.shtml
Delaware Medicaid
Medicaid is a government program designed to help the poor and indigent obtain health care services. Pregnant women and children under age 19 who meet certain income requirements may be eligible for Medicaid coverage, along with aged, blind, and disabled individuals. For more information about eligibility, contact the Delaware Division of Social Services office..
Delaware Division of Social Services
The Lewis Building
1901 N. Du Pont Hwy.
P.O. Box 906
New Castle, DE 19720
Phone: 800.372.2022 or 302.255.9500
Email: dhssinfo@state.de.us
http://www.dhss.delaware.gov/dhss/dss/medicaid.html
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